The Owner’s Rewards Card by M1 is coming soon for M1 Plus members. Join the waitlist for early access →

START EARNING REWARDS BEFORE EVERYONE ELSE

The Owner’s Rewards Card by M1 is coming soon. 

Stay in the loop and be one of the first to earn portfolio-specific credit card rewards when you sign up for early access. info iconExcludes trust and custodial account portfolios.

Image of Brenda O.

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

– Brenda O.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


HOW IT ALL FITS TOGETHER

Investing, borrowing and spending in one easy-to-use platform.

INVEST

Build your investment portfolio for free. Maintain it automatically.

LEARN MORE ABOUT INVEST

SPEND

Manage cash with an integrated checking account.

LEARN MORE ABOUT SPEND

M1 PLUS:
ADD MORE TO YOUR M1

Exclusive features and rewards that help you earn more, access more and receive more perks and discounts. 

Your first year is free (a $125 value). There’s no catch, and it only takes a moment to sign up. 


SMART TRANSFERS

Set up automated ‘if, then’ rules and optimize your money across M1.

CUSTODIAL ACCOUNTS

Start building long-term wealth for the children in your life.

TWO TRADE WINDOWS

Invest in the morning or the afternoon, or both when you have more than $25,000 equity in your portfolio.

1% APY CHECKING info iconNo 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. National average is 0.03% APY as of April, 2021. Obtained from the FDIC.

Earn 33x the national average APY for a checking account. That means you’ll earn more in 2 weeks than you would in an
entire year with a big bank.

NEW: SEND CHECKS

Send physical checks without ever touching a pen.

Image of Vikram B.

The nice part about investing with M1 is I can take out a low-cost loan on my portfolio. I don’t have to drain my investments for a large expense.

– Vikram B.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


M1: THE FINANCE SUPER APP™

Total control, total automation. For your wealth today and tomorrow.


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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 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should learn more before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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