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Anyone having trouble with BMO Alto online banking? I guess it is a somewhat newer online division of BMO offering Higher Yield Savings. BMO Alto is probably fine. I am �going thru some things� with them right now. I have opened several HYSA accounts with these online banks in the. I can't really find any reviews about BMO Alto, but it has an excellent APY of %, which is much higher than Marcus or the Amex HYSA or Cap1.