Upgrade to M1 Plus

Earn more, access more, discount more with the smartest perks.

Everything you love about M1, Plus more


M1 Plus members receive a 1.50% reduction on the base rate of M1 Borrow, our flexible, already-low-cost portfolio line of credit.


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

And a supercharged M1 Spend checking account (in beta testing):
1% APY CHECKING  info icon

Earn 16x the national average APY for a checking account and 11x the national average APY for a savings account.

1% CASH BACK  info icon

Who says you need to use a credit card to earn rewards? Earn 1% cash back on qualifying debit card purchases.

Earn more, spend less

Pricing and benefits to match your unique personal finance needs.

M1 Plus Logo
M1 Basic Logo
M1 Finance investment account
Unlimited free trades
Dynamic rebalancing
Fractional shares
Custom portfolios
Expert portfolios
Investing schedules
Built-in tax efficiency
Daily trade windows
M1 Borrow flexible line of credit
Minimum portfolio balance
Base rate
Payback schedule
Impact on credit
Checking accounts
Checking APY
1%  info icon
Cash back
Balance minimum
ATM fees covered?  info icon
4 times per month
Once per month

Total control, total freedom.

Be invested.

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

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.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member  FINRA /  SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin 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, and tax advisors.

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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