Smart cash management

Digital banking with available 1% APY* AND 1% cash back on qualified purchases.

A debit card integrated directly into M1


Earn 1% when you spend and 1% when you don’t when you sign up for the M1 Plus membership.


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


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

*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.

Get 1% when you spend and 1% when you don’t with an M1 Plus membership

1% APY info icon

Earn as much in 2 weeks as you would in an entire year with a big bank.

Learn more

1% CASH BACK info icon

on qualifying debit card purchases, no limits.

The best of digital banking

With M1 Spend, you can integrate your investments, your portfolio line of credit, and your checking account. Plus, check out how the two tiers of M1 Spend compare with big banks:

M1 Basic Logo
M1 Plus Logo
Big banks
Like Chase Total Checking®
Annual fee
1% info icon
0.04%  info icon
Cash back
ATM fees covered?  info icon
Once per month
4 times per month
International fees
0.8 – 1%
Balance minimum
(to avoid monthly fees)
Integration with investment account
FDIC insurance up to $250,000
Card design options

What our clients say

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.

M1 makes you feel empowered and knowledgeable about where your money is going.

Brenda O.

I am excited for the prospect of having all my financial tools in one place.

Alexander K.

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

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

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