Upgrade to M1 Plus

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

Holiday shopping? Earn extra with M1 Plus

Get 5% cash back on retail purchases this holiday season when you shop using your M1 Spend debit card. Must be an M1 Plus member to participate.

Everything you love about M1, Plus more

Supercharge your M1 Spend checking account:
1% APY CHECKING info icon

Earn 25x the national average APY for a checking account. That means you’ll earn the same in 2 weeks as you would in an entire year with a big bank.

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.

And get better perks for your investments:

Get a 1.5% reduction on the base rate of M1 Borrow, our flexible, already-low-cost portfolio line of credit.


Get more control over how you invest: Invest in the morning or the afternoon, or both when you have more than $25,000 in your investment portfolio.


Get even more automation and keep your money moving how you want, without lifting a finger.

Earn more, spend less

Pricing and benefits to match your unique personal finance needs.

M1 Plus Logo
M1 Basic Logo
No cost
M1 Spend
Checking APY
1%  info icon
Cash back
Balance minimum
ATM fees covered?  info icon
4 times per month
Once per month
Daily ACH limit
International fees
0.8 – 1%
Card design options
M1 Borrow
Base rate
Minimum portfolio balance
M1 Invest
Daily trade windows available
2  info icon
Smart Transfers

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 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

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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