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BMO Alto is an online bank that offers high-yield deposit accounts. Learn more about BMO Alto's products, interest rates, fees, and more. BMO Alto is the online-only banking arm of BMO, offering competitive savings accounts and CDs. The main bank is the 13th-largest bank in the nation, according. BMO Alto is a good option if you want to get one of the best rates available on savings accounts and certificates of deposit and you simply want.