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Account protections to give you peace of mind
Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.
All M1 High-Yield Cash Accounts deposits are FDIC-insured up to an aggregate total of $3.75 million.2
As a technology-first company, M1 utilizes the latest in information security to keep your private information secure.
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* Sources: https://apps.apple.com/us/app/m1-investing-banking/id1071915644 & https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US&pli=1
¹
Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.
2 The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks. A complete list of participating program banks can be found here.
3 Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. All investing involves risk, including the risk of losing the money you invest. Using margin can add to these risks. Margin rates may vary. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Past performance does not guarantee future performance.