M1: THE FINANCE SUPER APP. Build and manage your wealth from the convenience of an automated, intuitive platform.
Hundreds of thousands of investors trust M1 with over $5B in assets. See for yourself why M1 is an award-winning experience.
Plan long-term investing quickly and automate your finances with Smart Transfers: custom rules that move your money how you want.
INVEST
Invest with an individual, joint, trust, or custodial account. Or open a Traditional, SEP, or Roth IRA or rollover a 401(k).
Choose stocks and ETFs with an intuitive Pies interface; let our automated tools handle the buying and selling.
Pre-built Expert Pies help you invest according to your values, risk tolerance, retirement plans, and more.
Fractional shares let you invest as little as one dollar for more power and flexibility.
One-click rebalancing makes sure your investments match your goals.
With M1 Plus, get exclusive features and perks throughout your account for just $125 a year, with your first three months free.
BORROW
Borrow against your investments easily with rates from 3.5%-5%*.
Access funds in minutes for more liquidity without selling off your securities.
SPEND
Get 1.30% APY** on your checking balance (43x the national average) and 1% cash back when you're an M1 Plus member.
THE OWNER'S REWARDS CARD
Earn 2.5%-10% cash back*** when you spend at select brands in your M1 portfolio, and 1.5% cash back everywhere else. With M1 Plus, we'll waive the $95/year annual fee.
You can automatically reinvest your rewards money to build wealth-even as you spend it.
M1. YOURS TO BUILD.
ACCOUNT PROTECTION
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 the FDIC.
DISCLOSURES
See all fees at m1finance.com/legal/disclosures/misc-fees/
Must be 18+ and US resident to open an account. 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 loss. Borrowing on margin can add to these risks, and you should learn more before borrowing. M1 does not provide investment advice, and this is not an offer or solicitation of an offer, or advice to trade any security.
Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.
*M1 Borrow available on margin accounts with at least $2,000 invested. Borrow rates may vary. Borrow not available for all accounts. Borrow rates last updated May 5, 2022. Please see https://m1.com/how-it-works/borrow/ for the latest rates and additional information.
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**No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.03% APY, as of June 2022. Obtained from the FDIC.
M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.
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***Credit Card not available for US Territory Residents. 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Review card disclosure for more details on cash back. The Owner's Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
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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.
App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States
