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BMO ALTO High Yield Savings Account Review Pros and ConsBMO Alto offers competitive savings and CD rates but lacks some features other banks have, such as a mobile app and mobile check deposit. Their CD rate was really competitive among all the other banks that I checked; the new saving account has an amazing % rate and the direct deposit came in 5. On Trustpilot, BMO Alto has out of 5 stars, with less than 10 reviews posted. Top perks. High yield on your savings: The BMO Alto Online.