BMO Alto vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | PibankPibank Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 4.60% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $135 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while Pibank pays $460 - an APY advantage for Pibank.
Why BMO Alto?
No distinct advantages found vs Pibank.
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.25%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $325/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $813/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $135 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
Pibank offers a competitive savings option with its Pibank Savings account, featuring a notable APY of 4.60%. This account stands out for its simplicity, requiring no direct deposit and having no maintenance fees. Additionally, it allows for a minimum balance of just $0.01, making it accessible for a wide range of savers. In comparison, BMO Alto provides a Savings Account with a lower APY of 3.25%, which also has no minimum deposit or maintenance fees, but is less attractive in terms of returns. Both accounts are online-only, catering to those who prefer digital banking.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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BMO Alto vs. Pibank Savings Calculator
You earn $135 more with Pibank 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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | Pibank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 4.60% Verified: 1/7/2026 Stable (90d) |
| Product Name | Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| 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- | iOS2.4 Android1.7 |
| 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 Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Pibank |
|---|---|---|
| Savings Account | Pibank Savings | |
Current APY | 3.25% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.9 | -0.0 |
Days Since Change | 110 | 322 |
11-Month High | 4.00% | 4.60% |
11-Month Low | 3.25% | 4.60% |
Adjustments / Mo | 0.37 | 0.00 |
Volatility Score | 0.059 | 0.000 |
How to read these metrics(Click to expand)
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