Invest
Invest automatically for free in a custom stock and ETF portfolio.
Borrow
Unlock a low-cost line of credit and pay back on your schedule.
Spend | Coming Soon
Get the best of digital banking that integrates seamlessly with your investments.

"Giving every investor access to fractional shares is a game changer."
Michael M., RI
"I have used several brokerages, and none of them have delivered the diversification and freedom in investment choices like M1 has."
Dan T., IA
"It's still amazing to me that M1 offers so much value without charging fees."
Alex G., NY
Powerful technology, best-in-class security

Insured accounts
We’re a member of SIPC, so securities in accounts are protected up to $500,000. SIPC insurance does not protect against loss in the market value of securities. Our clearing firm has also purchased supplemental insurance in the event that SIPC limits are exhausted.
M1 Spend checking accounts are FDIC-insured up to $250,000.
Military-grade encryption
All data transferred and stored within our systems is protected with 4096-bit encryption.
Two-factor authentication
We offer two-factor authentication to keep your account extra secure.