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BMO Alto High Yield Savings Account Review (BMO Alto Pros And Cons)If you close your CD prior to maturity, you will pay an early withdrawal penalty as detailed in the Deposit Account Disclosure. If you have an Add-On CD, you. BMO CD Pros. Special CDs and Alto CDs pay higher than the average CD rates; Alto CDs have standard-to-low early withdrawal penalties; Variety. Early withdrawal penalties. BMO's biggest downside is its early withdrawal penalty structure, which can charge up to days' interest (about.
