Earn more. Access more. Do more.

By joining M1 Plus, you’ll get an edge on your money moves when it’s time to invest, borrow, or spend.


More ways to grow.

  • Smart transfers
  • Custodial accounts
  • AM and PM trade windowsinfo icon
  • $0 trading commissions

Without M1 Plus

  • $0 trading commissions
  • AM trade window only

Borrowinfo icon

Pay just 2.25%.
4.25% without M1 Plus

  • No application
  • Pay at your own pace
  • $2,000 balance minimum

Spend: Checking

1% APY.info icon
1% cash back.

  • Send recurring paper check
  • 4 monthly ATM fee reimbursements
  • 0 international fees

Without M1 Plus

  • $0 balance minimum
  • 1 monthly ATM reimbursement
  • 0.8%–1% international fees

Spend: Credit

$95 fee waived for members

  • Apply to earn 1.5% – 10% cash backinfo icon
  • Reinvest rewards in eligible accounts
  • Visa Signature® benefits
M1 Plus logo

Look for the M1 Plus symbol while using the M1 app.
It means you’re enjoying a premium perk! 

Join an exclusive club

Plus members get special privileges. As a member of the Plus community, you’ll have access to the latest and greatest tools, upcoming webinars, and offers tailored to the Plus experience.

Prooduct mockup of Plus dashboard on a laptop
Product mockup of Plus membership screen

Sign up in minutes for the best perks

Cancel anytime from your account settings.

If you’ve never tried M1 Plus before, your first year is free. You’ll have plenty of time to check out all the exclusive perks and discounts that come with Plus without paying for membership. 

That’s about $10.42 each month, for the best of everything we offer. The cost of Plus is billed annually. 

More control and automation,
for your wealth today and tomorrow.

M1 Invest tab in front of the M1 borrow tab and M1 transactions tab with lower half of tabs cutoff

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.

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.

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