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.


A DEBIT CARD THAT GIVES YOU MORE

Investing, borrowing and spending in one easy-to-use platform.

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% when you don’t when you’re an M1 Plus member. info icon

M1 PLUS:
ADD MORE TO YOUR M1

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

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


NEW: CUSTODIAL ACCOUNTS

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

SMART TRANSFERS

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

2% LOANS THROUGH M1 BORROW

Get our lowest rate for M1 Borrow. info icon

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

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

1% CASH BACK

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

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


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

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 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.

Address: 200 N LaSalle St., Ste. 800; Chicago, IL 60601

© Copyright 2021 M1 Holdings Inc.