Purpose-built to grow your wealth your way
Maximize each dollar when you invest, borrow, and spend. Build a custom strategy for long-term wealth and automate the day-to-day—commission-free. Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees
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Unified financial tools to help you build wealth
Invest
Commission-free Commission-free trading of stocks and ETFs refers to $0 commissions charged by M1 Finance LLC for self-directed brokerage accounts. Other fees may apply such as regulatory, M1 Plus membership, account closures, and ADR fees. For complete list of fees, visit m1.com/legal/disclosures/misc-fees , automated, and deeply customizable investing.
Borrow
Access a flexible line of credit with a few taps at just 6.50% interest. 5.00% with M1 Plus.3
How we stack up
M1 provides greater automation, better checking, lower margin rates, and more flexibility to manage your finances how you like.
M1 rates are current as of September 2022. Information on competing brokerages was accessed from each brokerage’s website in September, 2022
M1 Plus:
Add more to your M1
Premium members earn more and access exclusive features across the platform.
How we protect
your accounts
Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.
M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.
We are a technology-first company that utilizes the latest in information security.
Recognized and celebrated
Best for sophisticated investors
(Investopedia, 2022)
One of the best robo-advisors
(Money, 2021)
Best free trading platform
(Yahoo, 2021)
Best for investing and banking in one (The Ascent, 2021)
1 Source: https://apps.apple.com/us/app/m1-finance/id1071915644
2Source: https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US
3 M1 Borrow available on margin accounts with a balance of at least $2,000. Not available for retirement and custodial accounts. Rates may vary.
4 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.
5 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 0.04% APY as of September, 2022. Obtained from the FDIC.
6 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Standard Purchase APR ranges from 17.24% – 27.24% based on creditworthiness of the applicant. APR will vary with the market based on the Prime Rate. There is no Annual Fee for the Owner’s Rewards Card. Rates as of August 3, 2022.
7 Smart Transfers feature is only available with M1 Plus.
8 If you choose to transfer your account to another broker-dealer, only the full shares are guaranteed to transfer. Fractional shares may need to be liquidated and transferred as cash. is not a bank.
9 Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions such as P2P or third party processors, are not eligible for cash back.
