M1 basically allows me to be my own bank. That’s super powerful for when I want to flex how I use my money.
– Ryan C.
1% APY
With 33x the national average* APY, you’ll earn more in two weeks than in a full year with a big bank.
1% cash back
Get a little back on eligible purchases made with your M1 Spend Visa® debit card.
Send checks
Schedule one-time or recurring paper checks from the M1 app.
Get your paycheck up to two days early.
$1,500 OR deposit $500/month OR have average of $5,000 in a combination of Chase accounts (to avoid annual fee)
Earn up to 10% cash back
Get 10%, 5%, or 2.5% cash back on purchases with some of the most popular brands—and 1.5% standard cash back on everything else.
Reinvest your rewards
Use the M1 platform to reinvest the cash you earn for long-term impact.
Advanced security
Freeze your card anytime and get Visa Signature® benefits including Visa® Zero Liability.
$95 annual fee
The card has a $95 annual fee, waived with an active M1 Plus membership.
M1 basically allows me to be my own bank. That’s super powerful for when I want to flex how I use my money.
– Ryan C.
Your Spend questions, answered
There are no fees for minimum balances or ATM transaction fees. (The ATM itself will likely charge you a fee, but M1 Plus members will be reimbursed for fees charged by ATMs, up to four a month.) There are fees charged for using your debit card abroad, which you can find here.
Glad you ask. Get the big picture here.