Deposit $1,000. 

Get $30. 

  1. Open a new M1 Invest account. 
  1. Deposit $1,000 or more during your first 14 days. 
  1. Get a $30 boost, on us. 

That’s it! Easy as Pie. You will receive your bonus within 7-14 days of your deposit. 

See the details →


We didn’t make the Finance Super App™ for day trading or set-it-and-forget-it investing. Bring your expertise to our platform for strategic, long term growth—elevated with automation and customizable to suit your goals.

No management fees whatsoever. 

Build a portfolio of stocks and ETFs how you want. 

Diversify with fractional shares. 

Schedule contributions and rebalance with one click. 


By signing up for M1, you’ll automatically qualify for a FREE year of M1 Plus (a $125 value). You’ll have access to our best perks, features, and discounts that can help you push your money further. 

There’s no catch. Sign up in seconds and change your membership settings anytime. 

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  • $0 management fees
  • AM trade window
  • Automate your investing with scheduling and Dynamic Rebalancing
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  • $0 management fees
  • AM or PM trade windows info icon
  • Smart Transfers use ‘if, then’ rules to optimize your money across M1


The Finance Super App™ can do more than just automate your market moves. When borrowing or spending, M1 Plus gives you the best bang for your buck. 


Accept direct deposits, transfer funds, and spend with the M1 Spend Visa® debit card.  

Plus members get 1% APY info icon , 1% cash back, and can send checks. 


Tap into a portfolio line of credit at just 3.5% and use the funds for anything you like. 

Plus members borrow at just 2%. info icon 


Fractional shares, auto-rebalancing, and it’s absolutely free to use!

Matt G.

M1 Borrow’s flexiblity, convenience, speed and ultra-low interest rate (especially for M1 Plus) can’t be beat.

Adam T.

My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

Joy W.

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



35,000+ 5-STAR REVIEWS

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Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.

M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.

We are a technology-first company that utilizes the latest in information security.


M1 Deposit $1,000, Get $30 Promotion

Terms & Conditions

The Promotion

Effective March 1, 2021 (the “Effective Date”), if you have never funded an M1 invest account and meet the eligibility requirements described below, then you will be eligible to receive a one-time cash reward of $30 into the cash balance of your M1 invest account. As further described below, you will be eligible for this Promotion when you make a total of $1,000 in ACH deposits during a two week time frame. You can make these deposits on any day within the two week time frame and within any non-retirement account under your username.

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


To be eligible for this Promotion, you must (1) have never funded an M1 account; (2) have successfully opened an M1 investment account; (3) have not used a referral link to open an M1 account; AND (4) have made deposits of at least $1,000 post electronically to an M1 taxable investment account within a two week (14 day) time period. If you satisfy the conditions stated in the previous sentence, M1 will make a one-time deposit of thirty dollars ($30.00) into the cash balance of your M1 taxable investment account in accordance with these Promotion Terms.

You are only eligible to receive one cash reward under this Promotion. The cash reward will be deposited into your M1 investment account within seven to fourteen (7-14) business days from the date you satisfy the conditions stated herein. The cash reward 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. The cash reward must remain in your M1 investment account for sixty (60) days from the date the cash reward is deposited into your M1 investment account and for the entirety of the 60-day period, which shall be determined by M1 in its sole discretion.

The deposits totaling $1,000 must be made in cash via an ACH deposit into an investment account and not part of any Automated Customer Account Transfers Service (ACATS). Additionally, a deposit into an M1 retirement account is not eligible for this promotion.

This Promotion is independent from the multiple, varying other M1 promotions available at any given time, including but not limited to any of the following promotions:

  1. M1 ACATS Promotion and
  2. M1’s Referral Promotion

If you have already received a cash bonus pursuant to the terms of the M1 Referral Promotion, you are expressly ineligible for this Promotion and you will not receive any cash rewards pursuant to these Promotion Terms. M1 reserves the right to revoke the thirty ($30) cash deposit if it is not retained in your M1 investment account for sixty (60) days from the date the cash reward is deposited.

Other Information

This promotion is not valid with any other offers and is non-transferrable. Offer available 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 the M1 Terms of Use or Account Agreement have been violated. The value of a cash reward 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.

ACH transfer links can be done on M1’s platform by connecting your outside banking institution plaid or micro deposit. M1 will attempt to offer the ability to link or fund a customer’s account with as many financial institutions as possible, however M1 cannot guarantee customer’s ability to link their M1 account with all financial institutions.

This promotion expires at 12:00pm ET on December 31, 2021.

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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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.

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