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How it works

All your money in one easy-to-manage place

We’ve built the tools to make managing your money more personal, more convenient, and less expensive.



Flow between the three M1 services: Borrow, Invest, and Spend

M1 Spend

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

M1 Plus

$125 $1001/year

M1 Standard

Free
Investment accountsIncludedIncluded
Unlimited free tradesYesYes
Dynamic rebalancingYesYes
Fractional sharesYesYes
Custom portfoliosYesYes
Expert portfoliosYesYes
Investing schedulesYesYes
Built-in tex efficiencyYesYes
Daily trading windows2 (coming soon)1
Checking accountIncludedIncluded
Debit card materialTungsten metalPlastic
Checking APY1.50% APY0%
Cash back1%0%
Minimum balanceNoneNone
ATM fees covered?24 times per monthOnce per month
Flexible loansYesYes
Minimum portfolio balance$10,000$10,000
APR4%4.25%
Payback scheduleFlexibleFlexible
Impact on creditNoneNone
Reserve now for $100Sign up for free
1. Regular price for M1 Plus membership is $125 per year. M1 Plus rate is discounted to $100 for enrollment period. Billed annually.
2. ATM fees are reimbursed for one ATM per month with M1 Standard account or four times per month with M1 Plus membership.

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.


Making money is the hard part.
Managing it shouldn’t be.


Invest Now
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 VisaTM 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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