We’re raising the interest rate on M1 Checking Accounts for M1 Plus members. As of July 1, 2022, members will now earn 1.30%* on their balance.

Tools for the modern investor


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Commission free, automated, and deeply customizable investing.

Learn more about Invest


Access a flexible line of credit with a few taps at just 5.0% interest. 3.5% with Plus. info icon

Learn more about Borrow

Spend: Checking

Free digital checking. Get 1% APYinfo icon with M1 Plus.

Learn more about Spend Checking

Spend: Credit

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

Learn more about Spend Credit

M1. Yours To Build.®

Our philosophy for long-term wealth

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. info icon

3.5% loans through M1 Borrow info icon

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. info icon

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 three months are free. info icon There’s no catch, and it only takes a moment to sign up.

Headshot of Joy W.

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

SIPC logo

Member of SIPC. Securities in your account protected up to $500,000. For details, see www.sipc.org.

FDIC logo

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

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Hundreds of thousands of investors

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5-star reviews

(App Store and Google Play)

Investopedia logo

Best for sophisticated investors

(Investopedia, 2022)

Money Logo

One of the best robo-advisors

(Money, 2021)

Yahoo logo

Best free trading platform in 2021

(Yahoo, 2021)

The Ascent by Motley Fool logo

Best for investing and banking in one

(The Ascent, 2021)

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

Screenshots of the M1 Finance app showing the Invest scree, the Borrow screen, and the Spend screen

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.

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.

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 Fee Schedule.

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.

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.

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.

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