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Upgrade to M1 Plus

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

Everything you love about M1, plus more

0.25% discount on M1 Borrow

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

More investing
options

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


And a supercharged M1 Spend checking account:

1.5% APY1 checking

Earn 25x the national average APY for a checking account and 17x the national average APY for a savings account.2

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.

1. 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.
2. Our rates current as of Oct. 3, 2019. National average rates and competitor rates were obtained on Oct. 3, 2019 from ValuePenguin.

Earn more, spend less

Pricing and benefits to match your unique personal finance needs.

$125/year

Free
M1 Investment accountsIncludedIncluded
Unlimited free tradesYesYes
Dynamic rebalancingYesYes
Fractional sharesYesYes
Custom portfoliosYesYes
Expert portfoliosYesYes
Investing schedulesYesYes
Built-in tax efficiencyYesYes
Daily trading windows21
M1 Borrow flexible line of creditYesYes
Minimum portfolio balance$10,000$10,000
Base rate3.25%3.50%
Payback scheduleFlexibleFlexible
Impact on creditNoneNone
Checking accountsIncludedIncluded
Debit card materialTungsten metalPlastic
Checking APY1.50%20%
Cash back1%0%
Minimum balanceNoneNone
ATM fees covered?14 times per monthOnce per month
Sign up for $125Sign up for free
1. M1 does not charge ATM withdrawal fees but fees may be assessed by ATM operators. M1 reimburses one ATM operator fee per month for M1 Basic and up to four ATM operator fees per month for members of M1 Plus.
2. 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.

Earn more when you upgrade to M1 Plus

Is the $125 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

(-$125 enrollment fee)
Yearly net benefit:
$220.00




For illustrative purposes only.

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

Total control, total freedom. Be invested.


Invest Now
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.
Address: 213 W Institute Pl, Ste. 301, Chicago, IL 60610

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