Created for the intelligent investor


We’ve built innovative technology, tools and features with thoughtful design.


Take advantage of our customization and automation capabilities to manage your money how you want.


M1 enables you to control your own wealth-building with our flexible and easy-to-manage tools.


Stop paying trading commissions and management fees, and access a lower cost loan option with M1 Borrow.

Earn more, spend less

Pricing and benefits to match your unique personal finance needs.

Basic M1 Account


  • No trading commissions
  • No management fees
  • Free checking account
  • 3.50% base rate for portfolio line of credit

M1 Plus Account


  • All Core account features
  • 1% APY on checking account balance info icon
  • 1% cash back on qualifying debit card purchases, no limits
  • Access to a second daily trade window
  • 2% rate for portfolio line of credit (1.5% reduction)
Learn More →

But seriously, why M1?

M1 is made up of experienced, investment-focused people driven by a passion to transform money management. We believe there is a better, smarter way to manage personal finances. And we’re just getting started.


With integrated and automated digital investment, borrowing, and banking services, you can put your money to optimal use and reach its full potential.


We designed our intuitive product features, tools and services to be customizable, easy to use and automated to serve your unique financial needs.


We take your security seriously and have several systems in place to ensure your money is in safe hands.

“It’s still amazing to me that M1 offers so much value without charging any fees.”

Alex G., NY

“It is truly the best of both worlds: the choice of securities like traditional brokers as well as the automation of modern robo-advisors.”

Michael M., RI

“M1’s intelligent automation can save you time and help grow your wealth.”

Don O., FL

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

© Copyright 2020 M1 Holdings Inc.