Checking
Checking and credit that helps you win
Get powerful digital banking perks and a credit card that helps fuel your long-term investing strategy. It’s your money, hard at work.



M1 Checking6 with M1 Plus
1.70% APY1
With 56x the national average APY, you’ll potentially earn more in two weeks than in a full year with a big bank.
1% cash back2
Get a little back on eligible purchases made with your M1 Spend Visa® debit card.2
Send checks
Schedule one-time or recurring paper checks from the M1 app.
Early direct deposit3
Get your paycheck up to two days early.
How does M1 compare?
M1 Credit
Earn up to 10% cash back
Get 10%, 5%, or 2.5% cash back on purchases with some of the most popular brands—and 1.5% standard cash back on everything else.4
Reinvest your rewards
Use the M1 platform to reinvest the cash you earn for long-term impact.
Advanced security
Freeze your card anytime and get Visa Signature® benefits including Visa® Zero Liability.
$95 annual fee
The card has a $95 annual fee, waived with an active M1 Plus membership.


M1 Plus members get more from Spend
M1 Plus is an annual membership that gives you more options when you Invest, Borrow, and Spend. The first three months are free.5
Spend: Checking
Spend: Credit
Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.
1 No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.03% APY as of April, 2021. Obtained from the FDIC.
2 Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions such as P2P or third party processors, are not eligible for cash back.
3 Early Direct Deposit is dependent on your payroll provider.
4 Must own securities in a qualified M1 investment account as explained in M1’s Owner’s Rewards Terms & Conditions to be eligible for 2.5%, 5%, & 10% categories. Credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month.
5 Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after (Free Trial). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125.00 unless you cancel under your Membership details in the M1 Platform.
6 M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 is not a bank. M1 Checking Accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.
7 Source: https://personal.chase.com/personal/checking
8 Source: https://www.chase.com/content/dam/chasecom/en/checking/documents/clear_simple_guide_total.pdf