{"slug":"bmo-alto-online-savings","category":"bank","institutionSlug":"bmo","product":"Alto Online Savings","title":"BMO Alto Online Savings: 3.15% APY","bonus":"3.15% APY","unit":"cash","amount":0,"reqShort":"No minimum balance, no fees","expiresOn":null,"status":"live","verifiedOn":"2026-07-17","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"No ChexSystems pull reported","fee":"No monthly fee","keep":"Rate is variable and can change at any time","posts":"Interest compounds daily, credited monthly","applyDomain":"bmo.com","applyUrl":"https://www.alto.bmo.com/en-us/high-yield-online-savings/","summary":"BMO's online brand, Alto, pays 3.15% APY on its Online Savings account, with no monthly fee and no minimum balance. The rate is variable, so check the last-checked date before you rely on it.","reqSteps":["Open a BMO Alto Online Savings account (no minimum to open).","Move money in; there is no fee and no minimum balance.","Interest compounds daily and is credited monthly."],"finePrint":["The APY is variable and can change before or after you open the account.","Alto is BMO's online-only brand; it is a separate application from a standard BMO account."],"apy":315,"apyTerm":"ongoing APY","listedOn":"2026-07-17","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"alto.bmo.com Online Savings","url":"https://www.alto.bmo.com/en-us/high-yield-online-savings/","checkedOn":"2026-07-17"}],"needsVerification":false}