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How To Open BMO Harris Bank Account Online 2024The easiest way to open an account is by visiting a branch or signing up for one online. Just have your Social Security number and government-. To open the BMO Alto Online Savings Account or BMO Savings Builder Account online, you must be a U.S. citizen or permanent resident who's at. Opening a new account online is quick and easy. All you need is: Your phone number, email address and U.S. residential address; Your date of birth and Social.