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MAKE A $100 BONUS YOURS

Here’s how:


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1. Open a new M1 Spend account between January 28 – March 31 

2. Deposit $2,500 within the first 14 days of account opening. 

3. Maintain your balance for 30 days for a $100 bonus deposit.


GET CHECKING THAT HELPS YOU WIN

M1 Spend checking accounts are built to support your smart, long-term money management strategy.

THE M1 SPEND VISA® DEBIT CARD


FAST TRANSFERS

Easily move money between M1 Invest, Borrow, and Spend.


EARLY PAYDAYS

Get your paycheck up to two days early with direct deposit.info icon


VISA® DEBIT CARD

Spend with a sleek white card


INTERNATIONAL FEES

0.8–1%


ANNUAL FEE

$0

White M1 debit card

M1 Visa debit card in five different designs

THE M1 SPEND VISA® DEBIT CARD
WITH M1 PLUS


EARN 1% APY

Earn 33x the national average APY for
a checking account.info icon


1% CASH BACK

Get cash back on M1 Spend Visa® debit card purchases. info icon


SEND CHECK

Send one-time or recurring paper checks to anyone from the M1 app.


VISA® DEBIT CARD

Choose from 5 unique card designs


ATM FEES COVERED

4 reimbursements/month


INTERNATIONAL FEES

All reimbursed


ANNUAL FEE

$125/year


ANOTHER STEP TOWARDS YOUR
GREATER FINANCIAL WELLNESS


The Financial Wellness Challenge is ongoing, making it a great time to take advantage of this promo.
Learn about the challenge and sign up.

M1 SPEND CHECKING DEPOSIT PROMOTION
TERMS & CONDITIONS


THE PROMOTION

Starting on January 28, 2022 through March 31, 2022 (the “Promotion Period”), all customers who meet the eligibility requirements described below will be eligible to receive a one-time cash reward of one hundred dollars ($100) deposited into your M1 Spend checking account (the “Promotion”). As further described below, you will be eligible for this Promotion when you successfully open an M1 Spend checking account and deposit, in aggregate, at least two thousand five hundred dollars ($2,500) during the Promotion Period. You can make these deposits on any day within the Promotion Period, so long as the total aggregate deposited amount is at least $2,500 within fourteen (14) days of account opening.

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

PROMOTION TERMS AND ELIGIBILITY

To be eligible for this Promotion, and solely during the Promotion Period, you must (1) have successfully opened an M1 Spend checking account; AND (2) have made an aggregate deposit of at least $2,500, within the first fourteen (14) days of M1 Spend checking account open date. If you satisfy the aforementioned conditions, M1 will make a one-time deposit of one hundred dollars ($100) into the cash balance of your M1 Spend checking account (the following accounts are ineligible to receive any direct cash deposit: accounts held by M1 Finance LLC).

You are only eligible to receive a one-time cash bonus of one hundred dollars ($100) (the “Promotional Credit”) under this Promotion. The Promotional Credit will be deposited into your M1 Spend checking account on May 13, 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. You must maintain a deposited value of at least two thousand five hundred dollars ($2,500) in your M1 Spend checking account for at least thirty (30) days from the date your deposited value is at least two thousand five hundred dollars ($2,500). M1 reserves the right to revoke the Promotional Credit cash deposit if the total aggregate transferred deposited value is not retained in your M1 Spend checking account until the Pay-out Date.

This Promotion is independent from, and in addition to, your potential participation in promotions offered by M1 Finance LLC.

OTHER INFORMATION

This Promotion is not valid with any other offers and is non-transferrable. Offer is available only to legal U.S. Residents. 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.

This Promotion expires at 11:59pm ET on March 31, 2022.  M1 is the sole timekeeper of this Promotion.

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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