Headshot of Ryan C.

M1 basically allows me to be my own bank. That’s super powerful for when I want to flex how I use my money.

– Ryan C.

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


YOUR MONEY HARD AT WORK 

Adding M1 Spend to your toolkit helps you get the most out of your money— while keeping things simple. 

TRANSFER MONEY AND DIRECT DEPOSIT

Consolidate your accounts and use M1 for all your money needs: move money between Invest, Borrow and Spend easily.

SPEND WITH A DEBIT CARD

Use your M1 Spend debit card anywhere Visa® is accepted. Plus, choose from five sleek designs with M1 Plus.

AND IT GETS BETTER WITH M1 PLUS

Earn 1% cash back when you spend and 1% APY info icon when you don’t when you’re an M1 Plus member. 

M1 PLUS:
ADD MORE TO YOUR M1

Exclusive features and rewards that help you earn more, access more and receive more perks and discounts. 

Your first year is free (a $125 value). There’s no catch, and it only takes a moment to sign up. 


2% LOANS THROUGH M1 BORROW

Get our lowest rate for M1 Borrow. info icon

SMART TRANSFERS

Set up automated ‘if, then’ rules and optimize your money across M1.

CUSTODIAL ACCOUNTS

Start building long-term wealth for the children in your life.

TWO TRADE WINDOWS

Invest in the morning or the afternoon, or both when you have more than $25,000 equity in your portfolio.

1% APY CHECKING info icon

Earn 33x the national average APY for a checking account. That means you’ll earn more in 2 weeks than you would in an entire year with a big bank.

1% CASH BACK

Earn 1% cash back on qualifying debit card purchases. info icon

NEW: SEND CHECKS

Send physical checks without ever touching a pen.   

Headshot of Alexander K.

I’m excited about having all my financial tools in one place. M1 is shaping up to be bigger than the sum of its parts.

– Alexander K.

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

A CHECKING ACCOUNT DESIGNED FOR YOU

With M1 Spend, you can integrate your investments, your portfolio line of credit, and your checking account. Check out how M1 Spend, with or without M1 Plus, compares with big banks.


M1
M1 Plus

Big banks
(like Chase Total Checking®)

CASH BACK

CASH BACK
M1

0%

M1 Plus

1%

Big banks
(like Chase Total Checking®)

0%

APY

APY
M1

0%

M1 Plus

1%

Big banks
(like Chase Total Checking®)

0%

Balance minimum

Balance minimum
M1

$0

M1 Plus

$0

Big banks
(like Chase Total Checking®)

$1,500 OR deposit $500/month OR have average of $5,000 in a combination of Chase accounts (to avoid annual fee)

ATM fees

ATM fees
M1

1 reimbursement/month

M1 Plus

4 reimbursements/month

Big banks
(like Chase Total Checking®)

Fees for non-Chase ATMs apply

International fees

International fees
M1

0.8 – 1%

M1 Plus

All reimbursed

Big banks
(like Chase Total Checking®)

3%

FDIC insurance up to $250,000

FDIC insurance up to $250,000
M1

Yes

M1 Plus

Yes

Big banks
(like Chase Total Checking®)

Yes

Annual fee

Annual fee
M1

$0

M1 Plus

$125/year

Big banks
(like Chase Total Checking®)

$0-$144

Send checks

Annual fee
M1

No

M1 Plus

Yes

Big banks
(like Chase Total Checking®)

Yes


M1 rates are current as of March, 2021. Competitor information obtained March 22, 2021 from Chase website.


YOUR SPEND QUESTIONS, ANSWERED

There are no fees for minimum balances or ATM transaction fees. (The ATM itself will likely charge you a fee, but M1 Plus members will be reimbursed for fees charged by ATMs, up to four a month.) There are fees charged for using your debit card abroad, which you can find here.

Glad you ask. Get the big picture here.



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 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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account 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, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

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

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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