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    • Earn 4.00% APY1 on money in your Cash Accounts.

      Cash Account

      Individual High-Yield Cash Account

      Joint High-Yield Cash Account

      More about High-Yield Cash Accounts with M1

      Account safeguarding

      High-Yield Cash Account FAQs

      Cash accounts differ from savings accounts

  • InvestExpand
    • Flexible, customizable,
      and automated.
      Intelligently invest your way, commission-free.

      Brokerage Accounts

      Individual

      Joint

      Custodial

      Retirement Accounts

      Traditional IRA

      Roth IRA

      SEP IRA

      Other Accounts

      Crypto offered by Bakkt

      Trust

      More about investing at M1

      Dividend investing

      Roll over your retirement plan to M1

      How M1 Pies work

      Automate your investing

      Borrow against your account

      Account safeguarding

  • SpendExpand
    • Maximize everyday finances with tiered credit card rewards.

      Credit

      Owner’s Rewards Card

      More about everyday finances with M1

      Automate your transfers

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

  • BorrowExpand
    • Tap into a portfolio line of credit to invest or get cash.

      Margin Loans

      Invest with margin

      Portfolio line of credit

      Loans

      Personal Loans – Further availability soon

      More about Margin Loans at M1

      What’s a margin loan?

      What can you use a margin loan for?

      Managing a margin account

      Margin requirements

      Risks & benefits of margin trading

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Plan

Master your financial future with expert planning resources. Learn financial wellness, goal-setting, and retirement strategies for long-term prosperity.

Renting vs. Buying

Couple Financial Planning: Building Your Future Together

ByM1 Team January 27, 2025April 23, 2025

Picture this: You’re newly married, excited about your future together, but suddenly you’re faced with couple financial planning. Sound daunting? You’re not alone. But here’s…

Money Management for Health Crises: Navigating Financial Challenges

Money Management for Health Crises: Navigating Financial Challenges

ByM1 Team January 27, 2025April 24, 2025

Major health changes can quickly derail even the most carefully planned budgets. Money management for health crises becomes crucial as medical issues contribute to a…

Relocation Expenses Planning: Budgeting for Your Move

Relocation Expenses Planning: Budgeting for Your Move

ByM1 Team January 27, 2025April 24, 2025

According to recent data, approximately 3 million Americans make interstate moves each year. Relocating to a new state is an exciting yet financially challenging adventure….

Career Transitions: Financial Strategies and Considerations for Navigating Professional Changes

Career Transitions: Financial Strategies and Considerations for Navigating Professional Changes

ByM1 Team January 27, 2025April 24, 2025

Are you a professional in your 40s or 50s contemplating a bold career transitions but concerned about the financial implications? You’re not alone. While job…

Happy New Years from M1

Realign finances during life changes: Strategies to adjust your goals

ByM1 Team January 27, 2025April 24, 2025

Life is a series of transitions, from college graduation to retirement and everything in between. As your life evolves, so should your financial strategy. This…

Credit Scores Explained: A Beginner’s Guide to Financial Health

Credit Scores Explained: A Beginner’s Guide to Financial Health

ByM1 Team January 17, 2025April 24, 2025

This article is for educational purposes only and does not constitute financial or investment advice. Please consult with a qualified financial professional for personalized advice…

Students in profile at graduation wearing traditional cap and gown and looking up and to the right.

Financial Planning in College: Mastering Your Finances During College

ByM1 Team January 17, 2025April 24, 2025

Have you ever found yourself staring at your bank account balance, wondering where all your money went? You’re not alone. Imagine skipping social outings or…

New Parent’s Financial Guide: Budgeting Tips for Growing Families

New Parent’s Financial Guide: Budgeting Tips for Growing Families

ByM1 Team January 17, 2025April 24, 2025

Diapers, sleepless nights, and… a complete financial overhaul? Welcome to parenthood! While you’re preparing for the joys (and challenges) of your new arrival, let’s tackle…

Happy New Years from M1

Overcoming Financial Procrastination: A Guide to Financial Goal Setting

ByM1 Team January 17, 2025April 24, 2025

If you’ve ever found yourself putting off important financial decisions, you’re not alone. Financial procrastination can potentially impact long-term financial well-being. However, understanding the common…

Encore Careers: Maximizing Purpose and Income in Retirement

Encore Careers: Maximizing Purpose and Income in Retirement

ByM1 Team January 16, 2025April 24, 2025

What if retirement could be the most exciting and fulfilling chapter of your career? Have you ever wondered what your next chapter could look like?…

Celebrate Progress toward Financial Goals: Create Rewards

Celebrate Progress toward Financial Goals: Create Rewards

ByM1 Team November 22, 2024April 24, 2025

Before we dive into creating your personalized reward system to help you celebrate your progress towards your financial goals, let’s explore the psychology behind why…

Secure Your Financial Future: Strategies for an Emergency Fund

Secure Your Financial Future: Strategies for an Emergency Fund

ByM1 Team October 4, 2024April 24, 2025

You wake up on a Monday morning to find your car won’t start, and you have an important meeting in an hour. Without an emergency…

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Disclosures

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 is a technology company offering a range of financial products and services. “M1” refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, and M1 Digital 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 review our margin account risk disclosure 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 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.


M1 is not a bank. M1 High-Yield Savings Accounts and Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.


M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member  FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.


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.


M1 Digital LLC is a wholly separate affiliate of M1 Finance LLC, and neither are involved with the execution or custody of cryptocurrencies. Cryptocurrencies are not FDIC or SIPC insured. For relevant crypto disclosures and risks, visit Crypto Disclosures.


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.


M1 Finance LLC
200 N LaSalle St., Ste. 810, Chicago, IL 60601

© Copyright 2025 M1 Holdings Inc.

  • Home
  • Earn
    • Earn 4.00% APY1 on money in your Cash Accounts.

      Cash Account

      Individual High-Yield Cash Account

      Joint High-Yield Cash Account

      More about High-Yield Cash Accounts with M1

      Account safeguarding

      High-Yield Cash Account FAQs

      Cash accounts differ from savings accounts

  • Invest
    • Flexible, customizable,
      and automated.
      Intelligently invest your way, commission-free.

      Brokerage Accounts

      Individual

      Joint

      Custodial

      Retirement Accounts

      Traditional IRA

      Roth IRA

      SEP IRA

      Other Accounts

      Crypto offered by Bakkt

      Trust

      More about investing at M1

      Dividend investing

      Roll over your retirement plan to M1

      How M1 Pies work

      Automate your investing

      Borrow against your account

      Account safeguarding

  • Spend
    • Maximize everyday finances with tiered credit card rewards.

      Credit

      Owner’s Rewards Card

      More about everyday finances with M1

      Automate your transfers

      Account safeguarding

      More about credit at M1

      What are Owner’s Rewards?

  • Borrow
    • Tap into a portfolio line of credit to invest or get cash.

      Margin Loans

      Invest with margin

      Portfolio line of credit

      Loans

      Personal Loans – Further availability soon

      More about Margin Loans at M1

      What’s a margin loan?

      What can you use a margin loan for?

      Managing a margin account

      Margin requirements

      Risks & benefits of margin trading

  • Learn
    • Resources to help you make informed financial decisions

      Frequently Asked Questions

      Taking Stock

      Knowledge Bank

      Retirement Calculator

      Savings Calculator

Get Started
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