Savings Account Features Guide
    
			
                  
                | Interest Rate | 
              
                | APY | 3.25% | 
                            
                | Minimum Deposit Amount | $0.00 | 
              
                | Maximum Deposit Amount | N/A | 
                  
			
					| Balance Requirements | 
				
					| Minimum Opening Deposit | - | 
        
          | Minimum Balance to Avoid Fees | - | 
				
					| Minimum Required Balance | - | 
			
					| Fees | 
				
					| Monthly Maintenance Fee | N/A | 
				
					| Foreign ATM Fees | N/A | 
				
					| Insufficient Funds Fee | N/A | 
        
          | Incoming Wires | N/A | 
        
              | Account Opening | 
            
              | Open Online | Yes | 
            
              | Insured by | F.D.I.C. | 
		
					| Statements | 
				
					| Paper Statements | × | 
				
					| Online Statements | Yes | 
		
					| Online and Telephone Banking | 
				
					| Online Banking | Yes | 
				
					| Telephone Banking | × | 
				
					| Mobile Banking | × | 
				
					| Deposit Checks with Mobile Device | × | 
				
					| Free Bill Pay | × | 
    
      | Online Bill Payments Required | × | 
			
		
    Account Description
 
 
  
  Rate History
  
  
  
     
       
  
    
      
        | Date | APY | 
    
    
      
      
        | September 20, 2025 | 3.25% | 
      
      
        | September 17, 2025 | 3.50% | 
      
      
        | April 25, 2025 | 3.60% | 
      
      
        | April 04, 2025 | 3.70% | 
      
      
        | February 10, 2025 | 4.00% | 
      
      
        | January 14, 2025 | 4.10% | 
      
      
        | December 18, 2024 | 4.30% | 
      
      
        | November 22, 2024 | 4.45% | 
      
      
        | September 24, 2024 | 4.60% | 
      
      
        | September 20, 2024 | 5.10% | 
              
    
   
     
       
  
  
 
  
  
    
Customer Reviews for Bmo Alto, A Division Of Bank Of Montreal Harris 
  
    
   
 
   
 
  
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