BMO Alto vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | Citizens Access™Citizens Access® Savings Jan 6, 2026 |
|---|---|---|
| APY | 3.25% | 3.15% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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. Citizens Access™
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to Citizens Access™'s 3.15% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
BMO Alto pays $10 more than Citizens Access™ on a $10,000 balance after one year. BMO Alto pays $325, while Citizens Access™ pays $315 - an APY advantage for BMO Alto.
Why BMO Alto?
No distinct advantages found vs Citizens Access™.
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 0.0)
- ✓Higher rated Android app (4.9 vs 0.0)
— Key Feature Differences —
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, BMO Alto's Savings Account pays $10 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
BMO Alto offers a competitive online-only Savings Account with a high APY of 3.25%, making it the leading option between the two banks. Citizens Access™ follows closely with its Citizens Access® Savings account, which provides an APY of 3.15%. Both accounts have no minimum deposit or balance requirements and no maintenance fees. While BMO Alto does not require direct deposit, Citizens Access™ is noted for its excellent mobile app experience, with high ratings on both iOS and Android. Overall, BMO Alto stands out with a slightly higher APY.
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
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BMO Alto vs. Citizens Access™ Savings Calculator
You earn $10 more with BMO Alto than Citizens Access™ 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
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | Citizens Access™ |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change |
| Product Name | Savings Account | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| 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- | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Citizens Access™ |
|---|---|---|
| Savings Account | Citizens Access® Savings | |
Current APY | 3.25% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.4 | -4.8 |
Days Since Change | 110 | 28 |
11-Month High | 4.10% | 3.70% |
11-Month Low | 3.25% | 3.15% |
Adjustments / Mo | 0.44 | 0.26 |
Volatility Score | 0.067 | 0.052 |
How to read these metrics(Click to expand)
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