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      Account safeguarding

      High-Yield Cash Account FAQs

      Cash accounts differ from savings accounts

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

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    • Maximize everyday finances with tiered credit card rewards.

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      Automate your transfers

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      More about credit at M1

      What are Owner’s Rewards?

  • BorrowExpand

    • Tap into a portfolio line of credit to invest or get cash.

      Margin Loans

      Borrow on margin at 5.75%

      Invest with margin

      Portfolio line of credit

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      Personal Loans – Further availability soon

      More about Margin Loans at M1

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M1 Announces Crypto Investing, Allowing Users to Customize and Automate Their Digital Asset Investment Strategy

Read More M1 Announces Crypto Investing, Allowing Users to Customize and Automate Their Digital Asset Investment StrategyContinue

Long-Term Investors More Likely to Feel Financially Free Than Short-Term Investors, New M1 Finance Survey Finds

Read More Long-Term Investors More Likely to Feel Financially Free Than Short-Term Investors, New M1 Finance Survey FindsContinue

M1 Finance Launches its Owner’s Rewards Card by M1 – a Credit Card for Investors that’s the First of its Kind

Read More M1 Finance Launches its Owner’s Rewards Card by M1 – a Credit Card for Investors that’s the First of its KindContinue

M1 Finance Announces $150M Funding Round Led by SoftBank Vision Fund 2

Read More M1 Finance Announces $150M Funding Round Led by SoftBank Vision Fund 2Continue

M1 Finance Raises $75 Million Series D to Help People Grow Wealth Through Long-Term Investing, Not Day Trading

Read More M1 Finance Raises $75 Million Series D to Help People Grow Wealth Through Long-Term Investing, Not Day TradingContinue

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

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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. 

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.

M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.

M1 is not a bank. M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.

M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.

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.

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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  • Home
  • Earn

    • Earn 4.50% APY1 on money in your Cash Accounts.

      Cash Account

      Individual High-Yield Cash Account

      Joint High-Yield Cash Account

      More about High-Yield Cash Accounts with M1

      Account safeguarding

      High-Yield Cash Account FAQs

      Cash accounts differ from savings accounts

  • 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

      Dividend investing

      Roll over your retirement plan to M1

      How M1 Pies work

      Automate your investing

      Borrow against your account

      Account safeguarding

  • Spend

    • Maximize everyday finances with tiered credit card rewards.

      Credit

      Owner’s Rewards Card

      More about everyday finances with M1

      Automate your transfers

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

  • Borrow

    • Tap into a portfolio line of credit to invest or get cash.

      Margin Loans

      Borrow on margin at 5.75%

      Invest with margin

      Portfolio line of credit

      Loans

      Personal Loans – Further availability soon

      More about Margin Loans at M1

      What’s a margin loan?

      What can you use a margin loan for?

      Managing a margin account

      Margin requirements

      Risks & benefits of margin trading

  • Learn

    • Educational material about the M1 platform, M1’s perspective, and personal finance topics.

      Help Center

      Frequently Asked Questions

      Blog

      Taking Stock

      Financial Education

      Knowledge Bank

      More about everyday finances with M1

      Automate your transfers

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

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