BMO Alto vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | PNCPNC High Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 3.30% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Eligibility restricted to select states. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® 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 PNC's 3.30% APY for its PNC High Yield Savings account, with a minimum balance of $0.
PNC pays $5 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while PNC pays $330 - an APY advantage for PNC.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why BMO Alto?
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.6 vs 0.0)
- ✓Fast transfers via Zelle® (up to $2,000 a day)
— Key Feature Differences —
Best Mobile App Experience
PNCPNC offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, PNC's PNC High Yield Savings pays $5 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
BMO Alto offers a competitive Savings Account with an APY of 3.25%, making it an attractive option for savers. This account has no minimum deposit or maintenance fees and is available online only. In comparison, PNC's High Yield Savings account provides a slightly higher APY of 3.30%, but eligibility is restricted to select states. PNC also offers a Standard Savings account with a significantly lower APY of 0.03%. Both banks have no direct deposit requirements, but PNC's accounts may incur a maintenance fee depending on the balance. Overall, PNC's High Yield Savings account is the winner based on the highest 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
Top Market Contenders
BMO Alto vs. PNC Savings Calculator
You earn $5 more with PNC 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
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | PNC |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change |
| Product Name | Savings Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | iOS4.9 Android4.6 |
| Zelle® Support | Not Supported | Available Limit: $2,000/dayCentral to Virtual Wallet suite. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at PNC Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | PNC | |
|---|---|---|---|
| Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.25% | 3.30% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.4 | -5.6 | 0.2 |
Days Since Change | 110 | 21 | 251 |
10-Month High | 3.70% | 3.95% | 0.03% |
10-Month Low | 3.25% | 3.30% | 0.01% |
Adjustments / Mo | 0.29 | 0.39 | 0.10 |
Volatility Score | 0.051 | 0.057 | 0.289 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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