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Earn
- Earn 4.50% 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
  
  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
  
  Borrow on margin at 5.75%
  
  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
- Educational material about the M1 platform, M1’s perspective, and personal finance topics.
  
  Help Center
  
  Frequently Asked Questions
  
  Blog
  
  Taking Stock
  
  Financial Education
  
  Knowledge Bank
  
  More about everyday finances with M1
  
  Automate your transfers
  
  Account safeguarding
  
  More about credit at M1
  
  What are Owner’s Rewards?

GET STARTED

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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.

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 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.

200 N LaSalle St., Ste. 800 Chicago, IL 60601

Earn 4.50% APY1 on money in your Cash Accounts.

Cash Account

More about High-Yield Cash Accounts with M1

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

Brokerage Accounts

Retirement Accounts

Other Accounts

More about investing at M1

Maximize everyday finances with tiered credit card rewards.

Credit

More about everyday finances with M1

More about credit at M1

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

Margin Loans

Loans

More about Margin Loans at M1

Educational material about the M1 platform, M1’s perspective, and personal finance topics.

Help Center

Blog

Financial Education

More about everyday finances with M1

More about credit at M1

Earn 4.50% APY1 on money in your Cash Accounts.

Cash Account

More about High-Yield Cash Accounts with M1

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

Brokerage Accounts

Retirement Accounts

Other Accounts

More about investing at M1

Maximize everyday finances with tiered credit card rewards.

Credit

More about everyday finances with M1

More about credit at M1

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

Margin Loans

Loans

More about Margin Loans at M1

Educational material about the M1 platform, M1’s perspective, and personal finance topics.

Help Center

Blog

Financial Education

More about everyday finances with M1

More about credit at M1

Earn 4.50% APY¹ on money in your Cash Accounts.

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

Earn 4.50% APY¹ on money in your Cash Accounts.

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