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Text Content

Get up to $500 when you sign up for M1 and make a deposit of $1,000 or more
within 14 days. Terms and conditions apply.
✕
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 * Invest
   M1 Invest Retirement Community Pies
 * Borrow
   M1 Borrow
 * Spend
   M1 Spend Credit Card
 * Why M1
   How it works Why M1 Plus Comparisons Milestones
 * Resources
   Help Blog

 * Login
 * Get Started

THE FINANCE SUPER APP


YOURS TO BUILD


WITH M1 FINANCE, YOU CAN INVEST, BORROW, AND SPEND WITH ONE EASY-TO-USE
PLATFORM. GET THE MOST OUT OF M1 WHEN YOU SIGN UP FOR A ONE-YEAR FREE TRIAL OF
M1 PLUS (A $125 VALUE).

Please provide a valid email address.
Sign up now


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BUILD MORE, WORRY LESS

M1 Finance takes care of the day-to-day tasks so you can concentrate on the big
picture. Get the perfect mix of personalization and automation and start making
your own money moves. For free.



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I’m excited about having all my financial tools in one place. M1 is shaping up
to be bigger than the sum of its parts.

– Alexander K.

Testimonials may not be representative of the experience of other customers. Not
a guarantee of future performance or success.

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WEALTH BUILDING FOR TODAY’S
LONG-TERM INVESTORS

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WHAT WE BELIEVE

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GET STARTED



FEWER FEES

Because every dollar you don’t pay in management fees is one you can invest in
yourself.


SMARTER TOOLS

Because your time is as valuable as your money. You make the choices that are
right for you, we handle the rest.


WISER STRATEGIES

Because you believe that building long-term wealth isn’t achieved by day-trading
or neglected retirement accounts.



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YOUR TOOLS FOR GROWTH

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INVEST



Flexible, customizable, and automated. It’s your money, intelligently invested
the way you want, for free.

LEARN MORE ABOUT INVEST


BORROW



A flexible line of credit at a low, low rate. Borrow against your investments at
2-3.5% without extra paperwork.

LEARN MORE ABOUT BORROW


SPEND: CHECKING



The best of digital banking, seamlessly integrated with your investments.
Empowered to make every cent work hard for you.

LEARN MORE ABOUT SPEND CHECKING


SPEND:
CREDIT




Earn up to 10% cash back with the Owner’s Rewards Card by M1. Then, reinvest
your rewards for long-term growth. Exclusive to M1 Plus.

LEARN MORE ABOUT SPEND CREDIT

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M1 PLUS:
ADD MORE TO YOUR M1

Exclusive features and rewards that help you earn more, access more and receive
more perks and discounts. 

Your first year is free (a $125 value). There’s no catch, and it only takes a
moment to sign up. 

GET M1 PLUS

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2% LOANS THROUGH M1 BORROW

Get our lowest rate for M1 Borrow. 


SMART TRANSFERS

Set up automated ‘if, then’ rules and optimize your money across M1.


CUSTODIAL ACCOUNTS

Start building long-term wealth for the children in your life.


TWO TRADE WINDOWS

Invest in the morning or the afternoon, or both when you have more than $25,000
equity in your portfolio.


1% APY CHECKING

Earn 33x the national average APY for a checking account. That means you’ll earn
more in 2 weeks than you would in an entire year with a big bank.


1% CASH BACK

Earn 1% cash back on qualifying debit card purchases. 


SEND CHECKS

Send physical checks without ever touching a pen.  


CREDIT CARD REWARDS

Apply for a chance to earn 1.5%-10% cash back in credit card rewards.

My favorite thing about M1 is the Pie: it’s very easy to see an overview of my
entire portfolio.

– Joy W.

Testimonials may not be representative of the experience of other customers. Not
a guarantee of future performance or success.

GET STARTED


ACCOUNT PROTECTION WITH PEACE OF MIND

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Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.

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M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.

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We are a technology-first company that utilizes the latest in information
security.

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GET STARTED

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RECOGNIZED AND CELEBRATED

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HUNDREDS OF THOUSANDS OF INVESTORS

35,000+ 5-STAR REVIEWS

(App Store and Google Play)

BEST FOR SOPHISTICATED INVESTORS

(Investopedia, 2021)

ONE OF THE BEST
ROBO-ADVISORS

(Money, 2021)

BEST FREE TRADING PLATFORM IN 2021

(Yahoo, 2021)

BEST FOR INVESTING AND BANKING IN ONE

(The Ascent, 2021)

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TOTAL CONTROL, TOTAL AUTOMATION

For your wealth today and tomorrow.

GET STARTED

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Check the background of M1 Finance LLC on FINRA's BrokerCheck

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About
Company Careers Newsroom
Legal
Terms of Use Privacy Policy Agreements Disclosures Accessibility
Contact
Help Service Status Affiliates Press Inquiries
        



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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 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology
company offering a range of financial products and services through its
wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and
M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services
offered by M1 Finance LLC and M1 Spend 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 learn more 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.

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M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1
Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

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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.

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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 2021 M1 Holdings Inc.

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