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

      Cash Account

      Individual High-Yield Cash Account

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      More about High-Yield Cash Accounts with M1

      Account safeguarding

      High-Yield Cash Account FAQs

      Cash accounts differ from savings accounts

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      and automated.
      Intelligently invest your way, commission-free.

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      Crypto offered by Bakkt

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      Roll over your retirement plan to M1

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      Automate your investing

      Borrow against your account

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    • 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?

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      Risks & benefits of margin trading

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Continue your personal finance journey by learning about how financial products work and how you can use them to save for the future.

stock options and equity plans

Stock Options and Equity Compensation: A Comprehensive Guide  

ByM1 Team February 7, 2025April 23, 2025

Looking to understand stock options and equity compensation and how it fits into your overall financial strategy? You’re not alone! Today, employees may often consider…

Goal Setting Accountability: Keeping Your Financial Targets on Track

Goal Setting Accountability: Keeping Your Financial Targets on Track

ByM1 Team February 3, 2025April 23, 2025

Have you ever set a financial goal, only to find yourself struggling to stick to it months later? You’re not alone. While setting financial goals…

Rolling Budget Technique: Adapting Finances in Real-Time

Rolling Budget Technique: Adapting Finances in Real-Time

ByM1 Team February 3, 2025April 23, 2025

In today’s fast-paced business world, financial agility is crucial. Enter the rolling budget technique – a dynamic approach to financial planning that’s gaining traction among…

Activity-Based Budgeting: Precision Financing for Personal Goals

Activity-Based Budgeting: Precision Financing for Personal Goals

ByM1 Team February 3, 2025April 23, 2025

Activity-Based Budgeting (ABB) offers a fresh perspective on personal finance management, providing a detailed method for tracking expenses and allocating resources. This guide will explore…

Budgeting for Freelancers: Effective Strategies for Variable Income

Budgeting for Freelancers: Effective Strategies for Variable Income

ByM1 Team February 3, 2025April 23, 2025

Are you a freelancer feeling overwhelmed by the feast-or-famine cycle of income? You’re not alone. While freelancing and gig work offer flexibility and independence, they…

Values-Based Financial Goals: Align Your Wealth with Your Beliefs

Values-Based Financial Goals: Align Your Wealth with Your Beliefs

ByM1 Team February 3, 2025April 23, 2025

Imagine waking up each day knowing that every financial decision you make is perfectly aligned with your deepest values. Sounds fulfilling, doesn’t it? That’s the…

inflation investments

Monthly Budget Reviews for Improved Financial Management

ByM1 Team February 3, 2025April 23, 2025

Imagine discovering you’ve been overspending on groceries by $100 every month, potentially costing you $1,200 a year. That’s the kind of insight a monthly budget…

reduce your tax liability

Volunteer Opportunities for Retirees: Finding Fulfillment in Retirement

ByM1 Team January 31, 2025April 23, 2025

As you embark on your retirement journey, you may find yourself with an abundance of free time and a burning desire to make a meaningful…

Leverage Employee Benefits: Optimizing Your Compensation

Leverage Employee Benefits: Optimizing Your Compensation

ByM1 Team January 31, 2025April 23, 2025

Salary is just one part of your compensation. To truly maximize your earnings, it’s crucial to leverage employee benefits effectively. These often-overlooked perks can significantly…

401(k) rollover

Job Search Strategies: Tips to Land High-Paying Roles

ByM1 Team January 31, 2025April 23, 2025

Are you looking to advance your career and potentially increase your earning potential? While there are no guarantees in the job market, implementing effective strategies…

Empty Nest Finances: Balancing Goals and Family Support

Empty Nest Finances: Balancing Goals and Family Support

ByM1 Team January 27, 2025April 23, 2025

As your children leave home, it’s time to reassess your financial landscape and set new money goals. This guide will walk you through seven crucial…

Blog, woman on laptop at picnic table

Financial Planning after Divorce: Rebuilding Your Finances

ByM1 Team January 27, 2025April 23, 2025

Divorce can be an emotionally and financially challenging experience, often requiring a complete reassessment of your financial landscape. As you navigate this significant life change,…

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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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