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Headshot of Adam T.

I used M1 Borrow to fund my startup business. Its flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus members) is hard to beat.

– Adam T.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


EVERYTHING YOU LOVE ABOUT M1, PLUS MORE

Join our yearly membership to get exclusive perks across M1 Invest, M1 Spend, and M1 Borrow.

Get more control, more automation, lower rates, and more rewards with M1 Plus.


M1

M1 BASIC

FREE

INVEST

  • $0 trading commissions
  • AM trade window

BORROW info icon

  • 3.5% rate
  • $10,000 minimum balance

SPEND

  • Free digital checking
  • 1 monthly ATM fee reimbursed
  • 0.8 – 1% international fees
M1

M1 PLUS

$125/YEAR

Get a one-year free trial of M1 Plus when you sign up for M1 today

INVEST

  • $0 trading commissions
  • AM or PM trade window info icon
  • Smart Transfers
  • Custodial accounts

BORROW

  • 2% rate
  • $10,000 minimum balance

SPEND

  • Digital checking included
  • 1% APY info icon
  • 1% cash back
  • 4 monthly ATM fees reimbursed
  • All international fees reimbursed
  • 5 debit card design options
Headshot of Matt S.

M1 gives me the freedom and peace of mind to automate my investing for long-term growth.

– Matt S.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


TOTAL CONTROL, TOTAL AUTOMATION

For your wealth today and tomorrow.


M1 Finance App

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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 technolo- gy 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 are: Not FDIC Insured • No Bank Guarantee • May Lose Value

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.

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.

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

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.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC.
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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