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- An FDIC-insured savings account with industry leading 5.00% APY¹.
  
  Savings
  
  High-Yield Savings Account
  
  More about High-Yield Savings Accounts with M1
  
  Higher yields with M1 Plus
  
  Account safeguarding
  
  Savings FAQs
Spend
- Maximize everyday finances with tiered credit card rewards.
  
  Checking
  
  M1 Spend
  
  Credit
  
  Owner’s Rewards Card
  
  More about everyday finances with M1
  
  Automate your transfers
  
  Higher yields with M1 Plus
  
  What are Owner’s Rewards?
  
  Account safeguarding
  
  More about credit at M1
  
  What are Owner’s Rewards?
  
  Higher cash back with M1 Plus
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
  
  Trust
  
  More about investing at M1
  
  Transfer investments to M1
  
  How M1 Pies work
  
  Automate your investing
  
  Borrow against your account
  
  Account safeguarding
Borrow
- Borrow against your qualifying investments or from us with low rates for qualified borrowers.
  
  Portfolio lines of credit
  
  Margin Loans
  
  Loans
  
  Personal Loans
  
  More about Margin Loans at M1
  
  What’s a margin loan?
  
  What can you use one for?
  
  M1 Plus lowers your interest rate
  
  Maintenance calls
  
  Margin loans differ from personal loans
  
  More about Personal Loans at M1
  
  Personal loan eligibility
  
  Does applying for a personal loan affect my credit?
  
  When will I receive my funds?
  
  M1 Plus lowers your APR
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Agreements

Last Updated: May 2023

M1 Invest Agreements

M1 Account Agreement

Margin Agreement

Apex Securities Lending Agreement

IRA Account Agreement

New Account Agreement

Roth IRA Account Agreement

M1 Plus Agreements

M1 Plus Payment Terms

Owner’s Rewards Card Agreements

Cardholder Agreement

Deserve Privacy Policy

Reward Program Terms

Visa Signature Benefits

Apex Crypto Agreement

Apex Crypto User Agreement

M1 High-Yield Savings Account Agreements

HYSA Terms and Conditions Agreement

Deposit Insurance

HYSA Privacy Policy

U.S. Patriot Act Notice

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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 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.

M1 Plus is a paid annual membership that confers benefits for products and services offered by M1 Finance LLC, M1 Spend LLC and M1 Digital LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. "M1" refers to M1 Holdings Inc., and its affiliates.

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.

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 is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC. M1 Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender.

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.

M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 Checking Accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa^®️ Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Lincoln Savings Bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your M1 Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

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.

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Home

Save
- An FDIC-insured savings account with industry leading 5.00% APY¹.
  
  Savings
  
  High-Yield Savings Account
  
  More about High-Yield Savings Accounts with M1
  
  Higher yields with M1 Plus
  
  Account safeguarding
  
  Savings FAQs
Spend
- Maximize everyday finances with tiered credit card rewards.
  
  Checking
  
  M1 Spend
  
  Credit
  
  Owner’s Rewards Card
  
  More about everyday finances with M1
  
  Automate your transfers
  
  Higher yields with M1 Plus
  
  What are Owner’s Rewards?
  
  Account safeguarding
  
  More about credit at M1
  
  What are Owner’s Rewards?
  
  Higher cash back with M1 Plus
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
  
  Trust
  
  More about investing at M1
  
  Transfer investments to M1
  
  How M1 Pies work
  
  Automate your investing
  
  Borrow against your account
  
  Account safeguarding
Borrow
- Borrow against your qualifying investments or from us with low rates for qualified borrowers.
  
  Portfolio lines of credit
  
  Margin Loans
  
  Loans
  
  Personal Loans
  
  More about Margin Loans at M1
  
  What’s a margin loan?
  
  What can you use one for?
  
  M1 Plus lowers your interest rate
  
  Maintenance calls
  
  Margin loans differ from personal loans
  
  More about Personal Loans at M1
  
  Personal loan eligibility
  
  Does applying for a personal loan affect my credit?
  
  When will I receive my funds?
  
  M1 Plus lowers your APR
Plus
- Membership
Resources
About
- Our Mission
- Our Team
- M1 Milestones
- Careers
- Press