BMO Alto vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 4.05% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo Minimums |
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. Jenius Bank
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $80 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why BMO Alto?
No distinct advantages found vs Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.25%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $325/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $813/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $80 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
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the top choice compared to BMO Alto's Savings Account, which has an APY of 3.25%. Both accounts require no minimum deposit or balance and have no maintenance fees, but Jenius Bank's higher yield provides better returns, especially at larger deposit amounts. Both accounts are online-only and do not require direct deposit. For those seeking simplicity and higher earnings, Jenius Bank stands out as the preferred option.
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. Jenius Bank Savings Calculator
You earn $80 more with Jenius Bank 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | Jenius Bank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Savings Account | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| 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- | iOS4.0 Android3.6 |
| 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 Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Jenius Bank |
|---|---|---|
| Savings Account | Jenius Savings | |
Current APY | 3.25% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -6.6 | -2.8 |
Days Since Change | 110 | 50 |
11-Month High | 4.10% | 4.50% |
11-Month Low | 3.25% | 4.05% |
Adjustments / Mo | 0.43 | 0.17 |
Volatility Score | 0.069 | 0.029 |
How to read these metrics(Click to expand)
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