Image of Brenda O.

M1 makes you feel empowered and knowledgeable about where your money is going.

– Brenda O.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.

How it all fits together

Investing, borrowing and spending in one easy-to-use platform.


Build your investment portfolio for free. Maintain it automatically.

Learn more about Invest


Access a flexible portfolio line of credit, based on your investment. info iconM1 Borrow available on margin accounts with a balance of at least $5,000. Not available for retirement, custodial, or trust accounts. Rates may vary.

Learn more about Borrow

Icon of check

Spend: Checking

Manage cash with an integrated checking account.

Learn more about Spend Checking

Spend: Credit

Get up to 10% cash back info icon when you spend with select companies you invest in. 

Learn more about Spend Credit

M1 Plus:
Add more to your M1

Exclusive features and rewards that help you earn more, access more and receive more perks and discounts.  

Your first three months are free. info icon There’s no catch, and it only takes a moment to sign up.

Icon of a hand holding a bill

3.5% loans through M1 Borrow

Get our lowest rate for M1 Borrow. info icon

Icon of a light bulb with arrows going around it

Smart transfers

Set up automated ‘if, then’ rules and optimize your money across M1.

Icon of building blocks

Custodial accounts

Start building long-term wealth for the children in your life.

Icon of a sun with a dollar sign

Two trade windows

Invest in the morning or the afternoon, or both when you have more than $25,000 equity in your portfolio.

Icon of a paper check

1% APY Checking info icon

Earn 33x the national average APY for a checking account. That means you’ll earn more in 2 weeks than you would in an entire year with a big bank.

Icon of a bill with arrows around it

1% Cash back

Earn 1% cash back on qualifying debit card purchases. info icon

Icon of a paper check inside an envelope

Send checks

Send physical checks without ever touching a pen.  

Icon of a credit card

$95 annual fee waived

Apply for a chance to earn 1.5%-10% cash back in credit card rewards. info icon The $95 annual fee is waived with M1 Plus.

Image of Vikram B.

The nice part about investing with M1 is I can take out a low-cost loan on my portfolio. I don’t have to drain my investments for a large expense.

– Vikram B.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.


Total control, total automation. For your wealth today and tomorrow.

Screenshots of the M1 Finance app

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.

200 N LaSalle St., Ste. 800 Chicago, IL 60601

© Copyright 2022 M1 Holdings Inc.