This promotion has expired. Check out our other offers. Learn more →


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M1 has helped me save for retirement, manage my cash balance more effectively, and has given me peace of mind knowing that I’m making good financial decisions.

– Eric H.

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HOW TO EARN YOUR TRANSFER BONUS

Setting up your transfer takes just 4 minutes and could earn you up to $4,000. $1,000 a minute? That’s not bad. Here’s how:

  1. Make sure you have an M1 account that matches the account type you’re transferring from.
  1. Submit a secure transfer request through our encrypted form.
  1. Sit back and let our team take care of the rest!

To earn our big-time bonus, complete your transfer before November 30, 2021. See the details →

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

– Brenda O.


INVEST WITH M1 AND WE’LL INVEST IN YOU 

Transferring your holdings from another brokerage is quick and easy. Plus, see how much you could earn:


ACCOUNT TRANSFER SIZE
YOUR BONUS

$100,000 – $249,999.99

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$250

$250,000 – $499,999.99

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$500

$500,000 – $999,999.99

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$1,000

$1,000,000 – $1,999,999.99 

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$2,500

$2,000,000 +

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$4,000


Here’s a tip, you don’t need to transfer it all at once! As long as your total November transfers hit the mark, you’ll get your bonus. Expect payment on May 31, 2022—just in time to finance your summer fun. 

Headshot of Kyle B.

I recommend M1 for its intuitive design that makes investing feel not scary. M1 helped me branch out from using brokers who decided everything for me.

– Kyle B.

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

OVER $1.5 BILLION (WITH A ‘B’) IN TRANSFERS 


More than 20,000 savvy investors have upgraded to M1 from places like Vanguard, Fidelity, Charles Schwab, and Betterment. See for yourself why they call M1 the Finance Super App. 


WITH M1, THERE’S NO COMPARISON

M1 provides greater automation, better checking, lower margin rates, and more chances to keep doing more of what you want.


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Vanguard

Schwab

Fidelity

Robinhood

AUTOMATION

AUTOMATION
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Dynamic Rebalancing, investing schedules, Smart Transfers

Vanguard

No

Schwab

Only available with Intelligent Portfolios®

Fidelity

Only available with hybrid robo advisor

Robinhood

Only investing schedules

FRACTIONAL SHARES

FRACTIONAL SHARES
M1 Logo

Yes, on stocks and ETFs

Vanguard

No

Schwab

Yes, only on S&P 500 stocks®

Fidelity

Yes, only available on mobile app

Robinhood

Yes, on stocks and ETFs

MARGIN RATES

MARGIN RATES
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2 — 3.5% info icon

Vanguard

4.75 — 8.5%

Schwab

6.575 – 8.325%

Fidelity

4 — 8.325%

Robinhood

$5/month + 2.5%

DIGITAL BANKING

DIGITAL BANKING
M1 Logo

Yes, 1% APY and 1% cash back with M1 Plus info icon

Vanguard

No

Schwab

Yes, 0.03% APY

Fidelity

Yes, 0% APY

Robinhood

Yes, 0.3% APY

FEES

FEES
M1 Logo

Free, M1 Plus is $125/year

Vanguard

Free, but some options carry fees

Schwab

Free, but some options carry fees

Fidelity

Free, but some options carry fees

Robinhood

Free, but some options carry fees


M1 rates are current as of March, 2021. Information on competing brokerages was accessed from each brokerage’s website in March, 2021.



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ACCOUNT PROTECTION WITH PEACE OF MIND


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Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.


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M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.


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We are a technology-first company that utilizes the latest in information security.



DON’T WAIT, THIS OFFER ENDS NOVEMBER 30, 2021

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Holiday Season Promotion: Transfer a brokerage account to M1 and earn up to $4,000

From November 1, 2021 through November 30, 2021, transfer a brokerage or retirement account to M1 and earn up to $4,000. Here’s how to get started:

  1. Get a copy of a recent account statement from your brokerage.
  2. Ensure you have an account open at M1 that matches the account type you’re transferring (e.g. if you are transferring securities from a joint brokerage account, you’ll need a joint brokerage account open at M1).
  3. Submit a transfer request from another brokerage account during the Promotion Period (11/01/2021 12:00 am ET– 11/30/2021 11:59 pm ET). Click here to get started.
  4. Promotional Credits (see table below) will be paid to eligible clients by May 31, 2022.

TERMS AND CONDITIONS

Beginning on November 1, 2021 through November 30, 2021 (the “Promotion Period”) this promotional offer is only valid for M1 customers who complete an Automated Customer Account Transfer Service (“ACATS”) of at least $100,000 in aggregate during the Promotion Period (the “Holiday Season Promotion”). The appropriate M1 account must receive instructions to complete an ACATS prior to expiry of the Promotion Period. Any unsuccessful ACATS will be deemed ineligible. This offer is non-transferable, and not valid with any of the following: (i) internal transfers, (ii) ACH deposits (bank transfers), (iii) wire transfers, (iv) direct 401(k) rollovers, or (v) any customer having previously participated in a M1 ACATS transfer promotion and subsequently transferred any of the then-transferred account value externally to a third party or internally to any other M1 services (e.g., M1 Spend).

Cryptocurrency is not eligible for ACATS. Additionally, any security transferred via ACATS that is not traded by M1 will be liquidated, including but not limited to Mutual Funds and Over-The-Counter securities.

If you satisfy the aforementioned conditions, M1 will make a one-time deposit into the cash balance of your M1 taxable investment account equal to the applicable Promotional Credit1 based on the aggregate Transfer Account Value2 (see table below) on May 31, 2022 (the “Payout Date”). The following accounts are ineligible to receive any cash deposit: any retirement, custodial or trust. The “Transfer Account Value” is determined as the current market value of all holdings and cash transferred during this Promotion Period, in aggregate, on the day the transfer is completed to the qualifying account which must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading, market volatility or margin debit balances) at time of the Payout Date. Reallocation of any Transfer Account Value funds transferred for this Holiday Season Promotion either externally, or internally to any other M1 services (e.g., M1 Spend), prior to the Payout Date will disqualify you from the Holiday Season Promotion. The Promotion Credit deposited by M1 is a fixed cash value and does not constitute stock or any other security, nor is it a recommendation to buy any specific stock or other security. M1 Finance may charge the account for the cost of the offer at its sole discretion. M1 reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Account Value1Promotional Credit ($)
$100,000 – $249,999.99$250
$250,000 – $499,999.99$500
$500,000 – $999,999.99$1,000
$1,000,000 – $1,999,999.99$2,500
$2,000,000 +$4,000

Any Promotional Credits will not be applied for any transfer which has completed retroactively.

This Holiday Season Promotion is independent from the M1 Referral Promotion available to you at any given time, but you are expressly prohibited from combining this Holiday Season Promotion with any other ACATS promotion during this Promotion Period, if any.

This promotion is not valid with any other offers and is non-transferrable. Offer available only to individuals who are 18 years or older and are legal U.S. Residents. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided, or that any terms of the M1 Terms of Use or Account Agreement have been violated. This offer is not valid if the name on the M1 account is different than the name on the outside brokerage account requested for the ACATs.

General Conditions: By participating in this Holiday Season Promotion, you agree to release, discharge, indemnify, and hold harmless, M1, its affiliates, retailers, and advertising and promotion agencies, and all of their respective officers, directors, members, managers, partners, and employees from any liability or damages that may arise out of participation in this Holiday Season Promotion or out of acceptance, use, misuse or possession of the cash deposit attained through this promotion. All applicable federal, state, and local laws and regulations apply.

Taxes related to M1 promotional offers are your responsibility. All promotional items and cash received during the calendar year will be included on your consolidated Form 1099. You are encouraged to consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

Your Personal Information: Personal information collected in connection with this offer will be used in accordance with M1’s Privacy Policy.

This promotion expires at 11:59pm ET on November 30, 2021.

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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 Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial 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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