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The 1 finance account that does it all

Invest. Borrow. Spend.

Get Started

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.

Coming Soon: M1 Plus

Access a powerful suite of features for free or upgrade to M1 Plus to take your finances to the next level.

Invest

with a second daily trading window

Borrow

with a 0.25% discount on our low-cost portfolio line of credit.

Spend

with 1.5% APY and
1% cash back on all purchases

"Giving every investor access to fractional shares is a game changer."

Michael M., RI

"M1 makes you feel empowered and knowledgeable about where your money is going"

Brenda O., Tx

"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.

Take control of your money.

About

Legal

Learn More

Questions

Check the background of M1 Finance LLC on FINRA's BrokerCheck

M1 Holdings Inc. provides a range of financial services through its operating subsidiaries. M1 Finance LLC and M1 Spend LLC are wholly-owned subsidiaries of M1 Holdings Inc. and are separate but affiliated companies. By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library.

M1 Finance LLC is a SEC registered broker-dealer and Member FINRA / SIPC. You can check the background of M1 Finance LLC on FINRA's BrokerCheck. SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). SIPC insurance does not protect against loss in the market value of securities. Investments are not FDIC insured and may lose value. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance LLC is not registered.M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa^TM Debit Card is issued by Lincoln Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A., and serviced by M1 Spend LLC. M1 Spend LLC is not a bank. Visa is a registered trademark of Visa International Service Association. No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
Address: 213 W Institute Pl, Ste. 301, Chicago, IL 60610

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