A smarter, more modern option
M1 blends financial planning tools with powerful digital technology to make managing your money a seamless and effortless experience. Now, you don’t have to track several different accounts to move money and put your money to work. Instead, use M1 as your one financial platform where you can invest, borrow, spend, and manage your cash.
THE M1 WAY
THE OLD WAY
How does M1 compare?
M1 Finance
with M1 Plus
Online brokers
Like Charles Schwab
Robo-advisors
Like Betterment
Automation
Full
Little to none
Full
Fractional shares
Yes
No
Availability varies
Rebalancing
Dynamic
Expensive
No control
Customization
Full
Full
Little to none
Pre-built portfolios
Yes
Yes
Yes
Portfolio line of credit base rate
3.25%
8-10.75%
Availability varies
Checking APY
1.5% 
0.20%
N/A
Checking cash back
1%
None
N/A
Management fee
None
None
0.25-0.50% of assets
Transaction fee
Free
Free
Free
Annual fee
$125
$0
$0
Minimum investment balance
$100
$2,000
$10