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Submitted URL: http://m1.finance/
Effective URL: https://m1.com/
Submission: On February 01 via api from US — Scanned from DE
Effective URL: https://m1.com/
Submission: On February 01 via api from US — Scanned from DE
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* EarnExpand
* 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
* InvestExpand
* 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
Roll over your retirement plan to M1
How M1 Pies work
Automate your investing
Borrow against your account
Account safeguarding
* SpendExpand
* MAXIMIZE EVERYDAY FINANCES WITH TIERED CREDIT CARD REWARDS.
CREDIT
--------------------------------------------------------------------------------
Owner’s Rewards Card
MORE ABOUT EVERYDAY FINANCES WITH M1
--------------------------------------------------------------------------------
Automate your transfers
Higher yields with M1 Plus
Account safeguarding
MORE ABOUT CREDIT AT M1
--------------------------------------------------------------------------------
What are Owner’s Rewards?
Higher cash back with M1 Plus
* BorrowExpand
* BORROW AGAINST YOUR QUALIFYING INVESTMENTS OR FROM US WITH LOW RATES FOR
QUALIFIED BORROWERS.
PORTFOLIO LINES OF CREDIT
--------------------------------------------------------------------------------
Margin Loans
LOANS
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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?
* PlusExpand
* Membership
* Log in
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Founded in 2015
1,000,000+ users
$8B+ in client assets
M1: POWERFUL, AUTOMATED TOOLS FOR INVESTING
* Over 6,000 stocks & ETFs
* Model Portfolios
* No commission, trading or management fees 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.com/legal/disclosures/misc-fees
* One-click rebalancing
See how M1 works in 1 minute
Sign up
Founded in 2015
1,000,000+ users
$8B+ in client assets
NEW TRANSFER BONUS: GET UP TO $250–$20,000 TO INVEST
It’s kind of a big deal. Transfer your brokerage account to M1 by March 31, 2024
to score our best investment bonus yet. Promotional T&Cs apply.
Learn More
ACCOUNT PROTECTIONS TO GIVE YOU PEACE OF MIND
Member of SIPC. Securities in your account protected up to $500,000. For
details, please see www.sipc.org.
All M1 High-Yield Savings Accounts deposits are FDIC-insured up to an aggregate
total of $5 million.3
As a technology-first company, M1 utilizes the latest in information security to
keep your private information secure.
BORROW ON MARGIN FOR AS LOW AS 7.25% 5
With M1 Margin Loans, you can put your portfolio to work. Borrow against 40% of
your portfolio’s value and get one of the lowest rates on the market—all
paperwork-free.
Learn more
GET UP TO 10% CASH BACK IN CREDIT CARD REWARDS
With the Owner’s Rewards Card in your wallet, you can pay yourself back as you
spend. Earn up to 10% cash back2 and automatically re-invest your rewards in
your portfolio. Better yet, there’s no annual fee6.
Explore Owner’s Rewards Card
JOIN HUNDREDS OF THOUSANDS
WHO TRUST US WITH $8 BILLION
Information as of December 2023
Best for Sophisticated Investors and Low Costs
(Investopedia, 2023)
Best Investment
App for Portfolio Customization
(Insider, 2023)
One of the best robo-advisors of 2023
(Bankrate, 2023)
One of the best Roth IRAs
(Fortune, 2023)
Over 60,000 users left 5-star reviews4
BUILD AND MANAGE YOUR WEALTH, YOUR WAY
Join M1
1 Obtaining stated APY (annual percentage yield) or opening a savings account
does not require a minimum account balance. Stated APY is valid from date of
account opening. Account fees may reduce earnings. Higher APY rate subject to
paid M1 Plus subscription. Rates are subject to change.
2 1.5% – 10% Owner’s Rewards cash back earned on eligible purchases subject to a
maximum of $200 cash back per calendar month. Cash back rates of 2.5% – 10%
require an active M1 Plus subscription (billed at $36 annually or at $3
monthly).
3 B2 Bank is a member FDIC institution and does not itself provide more than
$250,000 of FDIC insurance per legal category of account ownership as described
in FDIC regulations. Additional FDIC insurance coverage is provided through B2’s
Insured Deposit Network Program involving other FDIC insured depository
institutions. Deposits may be insured up to $5,000,000 through B2’s Insured
Deposit Network Program. Full terms of the Program can be found at
m1.com/legal/agreements/HYSA_Agreement and a complete list of participating
banks in the program can be found at m1.com/legal/agreements/depositnetwork.
4 Sources: https://apps.apple.com/us/app/m1-finance/id1071915644 &
https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US
5 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.
6 APR ranges from 20.24% – 30.24% based on creditworthiness of the applicant.
APR will vary with the market based on the Prime Rate. There is no Annual Fee
for the Owner’s Rewards Card. Rates as of June 2, 2023.
Check the background of M1 Finance LLC on FINRA's BrokerCheck
--------------------------------------------------------------------------------
About
Our Mission Our Team M1 Milestones Careers
Contact
Contact Us Service Status Affiliates Press Inquiries
Resources
Help Center Blog Referral Program Knowledge Bank Newsroom
Legal
Terms of Use Privacy Policy Agreements Disclosures Accessibility
--------------------------------------------------------------------------------
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 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.
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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.
--------------------------------------------------------------------------------
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
© Copyright 2024 M1 Holdings Inc.
M1 Plus membership is now $3/month or $36/year
* Home
* EarnExpand child menuExpand
* 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
* InvestExpand child menuExpand
* 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
Roll over your retirement plan to M1
How M1 Pies work
Automate your investing
Borrow against your account
Account safeguarding
* SpendExpand child menuExpand
* MAXIMIZE EVERYDAY FINANCES WITH TIERED CREDIT CARD REWARDS.
CREDIT
--------------------------------------------------------------------------------
Owner’s Rewards Card
MORE ABOUT EVERYDAY FINANCES WITH M1
--------------------------------------------------------------------------------
Automate your transfers
Higher yields with M1 Plus
Account safeguarding
MORE ABOUT CREDIT AT M1
--------------------------------------------------------------------------------
What are Owner’s Rewards?
Higher cash back with M1 Plus
* BorrowExpand child menuExpand
* 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?
* PlusExpand child menuExpand
* Membership
Get Started
Login