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BMO - Savings accounts: which one is best for you?Earn an exclusive introductory APY of up to % when you open a new Relationship Plus Money Market account. Conditions apply. More details. Features of our high-yield savings account: No minimum balance, $0 minimum opening deposit, Unlimited transfers and withdrawals, No fees. The BMO Alto Online Savings Account, the bank's high-yield savings option, allows you to earn % APY. There is a $0 minimum deposit and no fees.