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Text Content

Get up to $500 when you sign up for M1 and make a deposit of $1,000 or more
within 14 days. Terms and conditions apply.
✕
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 * Invest
   M1 Invest Retirement Community Pies
 * Borrow
   M1 Borrow
 * Spend
   M1 Spend Credit Card
 * Why M1
   How it works Why M1 Plus Comparisons Milestones
 * Resources
   Help Blog

 * Login
 * Get Started

Manage your money with ease


M1: THE FINANCE SUPER APP™ 


INVEST, BORROW, AND SPEND ON ONE INTUITIVE PLATFORM. CUSTOMIZE YOUR STRATEGIES,
AUTOMATE THE BIG PICTURE, AND LET THE FINANCE SUPER APP®️ TAKE CARE OF THE
DAY-TO-DAY—COMMISSION-FREE.

Please provide a valid email address.
Sign up now


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Tools for the modern investor

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Invest



Commission free, automated, and deeply customizable investing.

Learn more about Invest

Borrow



Access a flexible line of credit with a few taps at just 3.5% interest. 2% with
Plus.

Learn more about Borrow

Spend: Checking



Free digital checking. Get 1% APY with M1 Plus.

Learn more about Spend Checking

Spend: Credit



Earn up to 10% cash back with the Owner’s Rewards Card: the credit card for
investors.

Learn more about Spend Credit


M1. Yours To Build.®

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Our philosophy for long-term wealth

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Fewer fees

Because every dollar you don’t pay in management fees is one you can invest in
yourself.

Smarter tools

Because your time is as valuable as your money. You make the choices that are
right for you, we handle the rest.

Wiser strategies

Because you believe that building long-term wealth isn’t achieved by day-trading
or neglected retirement accounts.

Up to 10% cash back credit card

Apply and use the Owner’s Rewards Card by M1 as an M1 Plus member and we’ll
waive the annual credit card fee. Earn 1.5%-10% back at huge brands.

2% loans through M1 Borrow

Borrow on margin at our lowest rate, and one of the lowest on the market.

1% APY Checking

Earn 33x the national average APY for a checking account. That’s more in 2 weeks
than a year at a big bank. 

Custodial accounts

Build long-term wealth for the next generation.

M1 Plus: Add more to your M1

Exclusive features and rewards that help you earn more, access more and receive
more perks and discounts. 

Your first year is free (a $125 value). There’s no catch, and it only takes a
moment to sign up. 

Sign up now

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My favorite thing about M1 is the Pie: it’s very easy to see an overview of my
entire portfolio.

– Joy W.

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

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.

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Recognized and celebrated

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Hundreds of thousands of investors

35,000+
5-star reviews

(App Store and Google Play)

Best for sophisticated investors

(Investopedia, 2021)

One of the best robo-advisors

(Money, 2021)

Best free trading platform in 2021

(Yahoo, 2021)

Best for investing and banking in one

(The Ascent, 2021)

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Total control, total automation
for your wealth today and tomorrow.

GET STARTED

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1 Source

2 Source

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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About
Company Careers Newsroom
Legal
Terms of Use Privacy Policy Agreements Disclosures Accessibility
Contact
Help Service Status Affiliates Press Inquiries
        



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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.

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M1 is not a bank. 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. 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.

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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 Store is a service mark of Apple Inc. Google Play and the Google Play logo
are trademarks of Google LLC.

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

© Copyright 2021 M1 Holdings Inc.

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   M1 Invest Retirement Community Pies
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 * Borrow
   M1 Borrow
 * Spend
   M1 Spend Credit Card
 * Why M1
   How it works Why M1 Plus Comparisons Milestones
 * Resources
   Help Blog

 * Get Started
 * Login