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BMO HARRIS BANK : Test \u0026 Review in 2024 (is this bank reliable?)The BMO Savings Builder account currently earns % APY, while the BMO Alto Online Savings account currently earns % APY. Rates can change at any time, so. Watch your savings grow with an account that offers competitive rates and terms that best fit your goals and lifestyle. We guarantee up to a % promotional interest rate on balances deposited to a Savings Amplifier Account for up to days from the account opening start date.