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M1 Team

M1 Team

AAPI Heritage Month Spotlight: Simon Lam, VP of Platform Engineering

AAPI Heritage Month Spotlight: Simon Lam, VP of Platform Engineering

May 19, 2023May 19, 2023 Team and Culture

Interviewed by Chandra Jong, Project Coordinator at M1 In honor of Asian American & Pacific Islander Heritage Month at M1, we sat down with Simon…

M1 Launches High-Yield Savings Account

M1 Launches High-Yield Savings Account

May 9, 2023August 7, 2023 Banking

The wait is over. As of today, we’re starting rollout of the M1 High-Yield Savings Account to existing M1 users.   And we’re excited to announce…

Our statement regarding Silicon Valley Bank and Signature Bank

Our statement regarding Silicon Valley Bank and Signature Bank

March 13, 2023March 17, 2023 M1

M1 is closely following the situation with Silicon Valley Bank and Signature Bank. Our clients’ funds are safe. M1 has no exposure to SVB or…

TD Ameritrade clients: Don’t settle for Schwab. Come to M1 and get rewarded!

TD Ameritrade clients: Don’t settle for Schwab. Come to M1 and get rewarded!

January 19, 2023September 1, 2023 M1

Get rewarded with up to $10,000 bonus when you switch to M1 from TD Ameritrade. Personalized portfolios, intelligent automation, and the best rates await you. Switching is easy.

10 things wealthy clients are doing with their money (and how they do it on M1)

10 things wealthy clients are doing with their money (and how they do it on M1)

December 9, 2022May 23, 2023 Insights

Personal finance is just that – personal – but the goals remain the same: To protect and grow your wealth. It’s also a journey of…

3 considerations for your financial plan in a high-interest rate market

3 considerations for your financial plan in a high-interest rate market

November 21, 2022November 18, 2022 Insights

As the Federal Reserve continues raising interest rates, we discuss three strategies you could include in your financial plan.

How automatic rebalancing simplifies portfolio management

How automatic rebalancing simplifies portfolio management

November 17, 2022November 17, 2022 Investing

Learn how M1 intelligently and automatically rebalances your portfolio to keep your financial targets and goals on track.

Why FTX’s collapse is a wake-up call for the crypto industry

Why FTX’s collapse is a wake-up call for the crypto industry

November 16, 2022November 16, 2022 Insights

FTX, one of the largest cryptocurrency exchanges in the world, experienced a cascade of events that culminated in a run on deposits and the subsequent…

Finding certainty in the uncertain

Finding certainty in the uncertain

November 14, 2022November 14, 2022 Insights

Through midterms, earnings, and interest rates we explore what we do know about the market in these times of uncertainty.

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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 is a technology company offering a range of financial products and services. "M1" refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, and M1 Digital LLC. 

M1 Plus is a paid membership that confers benefits for products and services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital 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 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 review our margin account risk disclosure 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 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender.


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.


M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 Checking Accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa®️ Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Lincoln Savings Bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your M1 Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.


M1 Digital LLC is a wholly separate affiliate of M1 Finance LLC, and neither are involved with the execution or custody of cryptocurrencies. Cryptocurrencies are not FDIC or SIPC insured. For relevant crypto disclosures and risks, visit Crypto Disclosures.


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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© Copyright 2023 M1 Holdings Inc.

  • Home
  • Save
    • An FDIC-insured savings account with industry leading 5.00% APY1.

      Savings

      High-Yield Savings Account

      More about High-Yield Savings Accounts with M1

      Higher yields with M1 Plus

      Account safeguarding

      Savings FAQs

  • Spend
    • Maximize everyday finances with tiered credit card rewards.

      Credit

      Owner’s Rewards Card

      Checking

      M1 Spend

      More about everyday finances with M1

      Automate your transfers

      Higher yields with M1 Plus

      What are Owner’s Rewards?

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

      Higher cash back with M1 Plus

  • Invest
    • Flexible, customizable,
      and automated.
      Intelligently invest your way, commission-free.

      Brokerage accounts

      Individual

      Joint

      Custodial

      Retirement Accounts

      Traditional IRA

      Roth IRA

      SEP IRA

      Other accounts

      Crypto

      Trust

      More about investing at M1

      Transfer investments to M1

      Roll over your retirement plan to M1

      How M1 Pies work

      Automate your investing

      Borrow against your account

      Account safeguarding

  • Borrow
    • Borrow against your qualifying investments or from us with low rates for qualified borrowers.

      Portfolio lines of credit

      Margin Loans

      Loans

      Personal Loans

      More about Margin Loans at M1

      What’s a margin loan?

      What can you use one for?

      M1 Plus lowers your interest rate

      Maintenance calls

      Margin loans differ from personal loans

      More about Personal Loans at M1

      Personal loan eligibility

      Does applying for a personal loan affect my credit?

      When will I receive my funds?

      M1 Plus lowers your APR

  • Plus
    • Membership
  • Resources
    • Help Center
    • Contact Us
    • Blog
    • Referral Program
    • Knowledge Bank
  • About
    • Our Mission
    • Our Team
    • M1 Milestones
    • Careers
    • Press
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