This promotion has expired.

M1 IRA Promotion Terms and Conditions

The Promotion

Starting from February 21, 2022 through March 4, 2022 (the “Promotion Period”), all users who receive a direct promotional email from M1 to the email address associated with their M1 user account and whom meet the eligibility requirements described below will be eligible to receive a one-time cash reward deposited into your existing M1 taxable invest account (the “Promotion”). As further described below, you will be eligible for this Promotion when you deposit, in aggregate, at least $1,000 via automated clearing house (“ACH”) deposits during the Promotion Period into any new IRA account(s) (Traditional or Roth). You can make these deposits on any day within the Promotion Period, into a single, or multiple, new IRA account(s) so long as the total aggregate deposited amount is at least $1,000. For clarity, your M1 taxable invest account is different than your IRA account, and the one-time cash reward will only be deposited into your taxable invest account. Only existing users who receive a promotional email directly from M1 to the email address associated with their M1 user account are eligible. M1 is the sole keeper of record.

This Promotion is subject to the terms and conditions stated herein (the “Promotion Terms”).

Promotion Terms

To be eligible for this Promotion, and during the Promotion Period, you must (1) have received a promotional email directly from M1 to the email address associated with your existing M1 user account; (2) have an existing funded taxable M1 invest account; (3) do not have an existing M1 IRA account(s) (Traditional or Roth) prior to the Promotion Period; (4) have successfully opened an M1 IRA account(s) (Traditional or Roth); AND (5) have made an aggregate deposit of at least $1,000 via ACH to your M1 IRA account(s) (Traditional or Roth). If you satisfy the foregoing conditions, M1 will make a one-time deposit into the cash balance of your existing M1 taxable investment account in accordance with Table 1 below (the following accounts are ineligible to receive any deposit: any retirement, custodial or trust).

You are only eligible to receive one Promotional Credit1 under this Promotion. The applicable Promotional Credit will be deposited into your existing M1 taxable invest account on June 1, 2022 (the “Pay-out Date”) provided that you satisfy the conditions stated herein. The Promotional Credit deposited by M1 is a fixed cash value and does not constitute stock or any other security, nor is it a recommendation to buy any specific stock or other security. The total aggregate Deposited Value2 made to an M1 IRA account(s) during the Promotion Period must be retained in the IRA account(s) after the net deposit was made (minus any losses due to trading, market volatility or margin debit balances) until the Pay-out Date. Reallocation of any funds transferred externally, or internally to any other M1 services (e.g., other taxable M1 invest account), prior to the Pay-out Date will disqualify you from this Promotion. M1 reserves the right to revoke the Promotional Credit cash deposit if the total aggregate transferred Deposited Value is not retained in your M1 IRA account(s) until the Pay-out Date.


Promotional Credit1Deposited Value2
$30$1,000 – $2,499.99
$75$2,500 – $5,999.99

The entire Deposited Value must be made in cash via an ACH deposit into a new and eligible M1 IRA account(s) and not part of any Automated Customer Account Transfers Service (“ACATS”). A direct 401(k) rollover is not eligible for this Promotion. Additionally, cryptocurrency is not eligible for this Promotion.

This Promotion is independent from, and in addition to, your potential participation in the M1 ACATS Promotion and the M1 Referral Promotion available to you at any given time.

Other Information

This Promotion is not valid with any other offers and is non-transferrable. Offer is available only to legal U.S. Residents. Employees of M1 are ineligible for this Promotion. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided, or that any terms of these Promotion Terms, the M1 Terms of Use or Account Agreement have been violated. The value of any Promotional Credit is a cash reward and may be taxable income to you. You are responsible for any federal or state taxes resulting from receipt of such reward and should consult your tax advisor if you have questions about the tax treatment of such reward.

ACH transfer links can be done on M1’s platform by connecting your outside banking institution, Plaid, or micro deposit. M1 will attempt to offer the ability to link or fund a customer’s account with as many financial institutions as possible, however M1 cannot guarantee customer’s ability to link their M1 account with all financial institutions.

This Promotion expires at 11:59pm ET on March 4, 2022. M1 is the sole timekeeper.