BMO Alto vs. FVCbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | FVCbankAdvantage Direct Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 3.85% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$193 $10,000+$385 $25,000+$963 |
Min Deposit | $0 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredLow MinimumsGreat iOS 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.
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to FVCbank's 3.85% APY for its Advantage Direct Savings account, with a minimum balance of $500.
FVCbank pays $60 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while FVCbank pays $385 - an APY advantage for FVCbank.
Why BMO Alto?
No distinct advantages found vs FVCbank.
Why FVCbank?
- ✓Higher potential APY (3.85% vs 3.25%) on all balances
- ✓Higher rated iOS app (4.4 vs 0.0)
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
FVCbankFVCbank's Advantage Direct Savings earns more on smaller deposits (approx. $385 vs $325/yr).
Better Returns at $25,000
FVCbankFVCbank's Advantage Direct Savings pulls ahead with larger amounts (approx. $963 vs $813/yr).
Best for Simplicity
FVCbankFVCbank's Advantage Direct Savings offers 3.85% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $60 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
FVCbank offers a competitive Advantage Direct Savings account with a high APY of 3.85%, making it the superior choice compared to BMO Alto's Savings Account, which yields 3.25%. Both accounts are online-only and have no maintenance fees, but FVCbank requires a minimum deposit and balance of $500. Notably, FVCbank's account provides better returns at various deposit levels, with estimates showing earnings of approximately $963 annually at $25,000, compared to $813 from BMO Alto. For those seeking a simpler option without minimum balance requirements, BMO Alto's account is also available.
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. FVCbank Savings Calculator
You earn $60 more with FVCbank 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
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | FVCbank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 3.85% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | Savings Account | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0 | $500 |
| 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- | iOS4.4 Android3.6 |
| Zelle® Support | Not Supported | Available Integrated into mobile app. |
| BBB Rating | A+ | B- |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at FVCbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | FVCbank |
|---|---|---|
| Savings Account | Advantage Direct Savings | |
Current APY | 3.25% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.5 | -8.5 |
Days Since Change | 110 | 67 |
10-Month High | 3.70% | 4.55% |
10-Month Low | 3.25% | 3.85% |
Adjustments / Mo | 0.31 | 0.81 |
Volatility Score | 0.049 | 0.063 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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