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Upgrade to M1 Plus

M1 Plus is everything you already love about M1 and more.

1.5% APY checking

Earn 25x the national average APY for a checking account and 17x the national average APY for a savings account.1

1. Our rates current as of Jan. 15, 2019. National average rates and competitor rates were obtained on Jan. 15, 2019 from ValuePenguin.
Rate comprison between M1 and competitors
M1 Plus Tungsten Debit Card

1% cash back

Who says you need to use a credit card to earn rewards? Earn 1% cash back on any purchase with your M1 Plus Visa® debit card.

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More investing options

Get exclusive access to a second trading window for even more control over how you invest.

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M1 portfolio pie split up into stocks, etfs, and expert pies.
M1 portfolio pie split up into stocks, etfs, and expert pies.

Discounts on M1 Borrow

M1 Plus members receive a 0.25% discount on M1 Borrow, our flexible, already-low-cost line of credit.

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Enroll now to get your first year of M1 Plus for just $100 and be the first to receive M1’s new tungsten debit card with 1.5% APY and 1% cash back on all purchases.

M1 portfolio pie split up into stocks, etfs, and expert pies.

Earn more when you upgrade
to M1 Plus

Is the $100 you’ll pay for M1 Plus worth it? Let’s do the math…

With an account balance of: $15,000
With a monthly spend of: $1,000

You'll earn a total of...

$225.00 in interest

$120.00 in cash back

(-$100 enrollment fee)
Yearly net benefit:

Your banking funds are held by Lincoln Savings Bank, Member FDIC. Deposits are insured up to $250,000.

Be the first to experience M1’s
newest products and features.

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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.

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.
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