M1 makes you feel empowered and knowledgeable about where your money is going.
– Brenda O.
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. 
Excludes trust and custodial account portfolios.
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.
BORROW
Access a flexible portfolio line of credit, based on your investment. M1 Borrow available on margin accounts with a balance of at least $5,000. Not available for retirement, custodial, or trust accounts. Rates may vary.
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.
2% LOANS THROUGH M1 BORROW
Get our lowest rate for M1 Borrow. The M1 Borrow interest rates are based on short-term interest rates and are subject to change if and when the Federal Reserve changes its target for the Federal Funds rate. M1 rates are current of March 2021.
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 
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. 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.
1% CASH BACK
Earn 1% cash back on qualifying debit card purchases. Debit card purchases are when the card is swiped or the 16 digit debit card number is entered online. Any transfer of funds, including those facilitated via a card transaction, are not eligible for cash back.
NEW: SEND CHECKS
Send physical checks without ever touching a pen.
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.
