Hi, it’s Chris,
Senior Engineering Manager
at M1.
I’m excited to share this High-Yield Cash Account offer with you.
The platform for wealth-builders with a long-term vision.
Earn Earn 4.00% APY1 on your uninvested cash.
Invest Put your investing strategy on cruise control.
Spend Get up to 10% cash back on everyday spending.*
Borrow Flexible, convenient, low-cost loans.
The Midwest fintech unicorn
Born and raised in Chicago, M1 proves tech innovation isn’t confined to the coasts.
We pioneered Pie-based investing with fractional shares. And we’re still the only platform with Dynamic Rebalancing, which gently rebalances your portfolio over time, without selling.
Giants like Schwab and Fidelity have followed our lead, but there’s no substitute for the original.
M1 makes it easy to build good, long-term money habits. It’s energizing to work on a product I believe in.
Chris
Senior Engineering Manager
Integrate & automate
Borrow up to half your account value at just 6.25%2
Brokerage Accounts have built-in margin access to use on or off platform.
Accounts can automatically find and transfer extra cash
Create rules to fund your investments, keep your cash reserve full, and more.
¹ Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.
* 2.5% – 10% Owner’s Rewards cash back is earned on qualifying purchases based on M1’s rewards tiers that can be found here. All Standard Reward purchases receive 1.5% cash back. Owners Rewards and Standard Rewards are subject to a maximum of $200 cash back in aggregate per calendar month. Exclusions may apply. See Rewards Terms for additional information and exclusions.
2 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.
