BMO Alto vs. BrioDirect
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | BrioDirectHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 3.75% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing BMO Alto vs. BrioDirect
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to BrioDirect's 3.75% APY for its High-Yield Savings Account, with a minimum balance of $25.
BrioDirect pays $50 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while BrioDirect pays $375 - an APY advantage for BrioDirect.
Why BMO Alto?
No distinct advantages found vs BrioDirect.
Why BrioDirect?
- ✓Higher potential APY (3.75% vs 3.25%)
- ✓Higher rated iOS app (4.7 vs 0.0)
- ✓Higher rated Android app (4.4 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
BrioDirectBrioDirect's High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $325/yr).
Better Returns at $25,000
BrioDirectBrioDirect's High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $813/yr).
Best for Simplicity
BrioDirectBrioDirect's High-Yield Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
BrioDirectBrioDirect offers an iOS app rated 4.7 (vs. 0.0) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, BrioDirect's High-Yield Savings Account pays $50 more interest on a $10,000 balance than BMO Alto's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BrioDirect offers a High-Yield Savings Account with a competitive APY of 3.75%, making it the winner in this comparison. This account requires a minimum deposit of $5,000 and a minimum balance of $25, but it has no maintenance fees and does not require direct deposit. In contrast, BMO Alto provides a Savings Account with a lower APY of 3.25% and no minimum deposit or balance requirements, but it is also an online-only product. While both accounts are FDIC insured and compound daily, BrioDirect stands out for its higher returns and better mobile app experience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BMO Alto vs. BrioDirect Savings Calculator
You earn $50 more with BrioDirect than BMO Alto on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
BMO Alto
Savings Account
Savings Breakdown
- Interest Earned+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
BrioDirect
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | BrioDirect |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 3.75% Verified: 1/7/2026 ↘︎ 0.45%90d Change |
| Product Name | Savings Account | High-Yield Savings Account |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | $25 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | iOS4.7 Android4.4 |
| Zelle® Support | Not Supported | Available Accessed via the Webster Bank mobile app. |
| BBB Rating | A+ | B- |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at BrioDirect Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | BrioDirect |
|---|---|---|
| Savings Account | High-Yield Savings Account | |
Current APY | 3.25% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.6 | -6.2 |
Days Since Change | 110 | 26 |
11-Month High | 4.10% | 4.55% |
11-Month Low | 3.25% | 3.75% |
Adjustments / Mo | 0.43 | 0.60 |
Volatility Score | 0.069 | 0.055 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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