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About M1: The Finance Super App

Take control and personalize your finances. Invest, Borrow, and Spend seamlessly, all in one place. Sign up today.

BE INVESTED
You work hard for your money, so your money should work hard for you.
We’ve created next-generation, intelligent financial solutions so you can do exactly what you want with your personal finances.
The cherry on top? It’s free.

MAKE THE MOST OF YOUR MONEY
M1 Smart Money Management gives you the freedom to seamlessly build, invest, and optimize your money—the way you want.

INVEST
Smart investing:
- Create your portfolio with any stock and/or ETF, for free
- Invest your money with intelligent automation

BORROW
Smart borrowing:
- Unlock a flexible line of credit with just $10,000 invested
- Borrow money at one of the lowest rates in the market

SPEND
Smart cash management:
- Access your money instantly with your M1 checking account
- Move money between investments seamlessly

ENJOY M1 FOR FREE, OR UPGRADE TO M1 PLUS FOR MORE PERKS
Smartest perks:
- Get subscription level features and rewards
- 1% APY* checking (that’s 16x the national average APY for a checking account)
- 1% cash back on M1 Plus Visa™ debit card purchases
- 1.50% discount on M1 Borrow base rate
- Unlock a second daily trading window for more control over your investments

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



DISCLAIMERS
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.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member FINRA / SIPC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin can add to these risks.

Find additional important information at https://m1finance.com/legal/disclosures/

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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.

No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.

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© Copyright 2019 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601-1030; United States

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Frequently Asked Questions(FAQ)

What is M1?

M1 is a finance super app that allows users to take control and personalize their finances. It offers features like investing, borrowing, and spending all in one place.

What can I do with M1?

With M1, you can seamlessly build, invest, and optimize your money. You can create your investment portfolio with stocks and ETFs, borrow money at low rates, and manage your cash with a checking account.

How much does M1 cost?

M1 is free to use, but there is an option to upgrade to M1 Plus for additional perks such as higher interest rates, cashback on debit card purchases, and more control over investments.

Is my account protected with M1?

Yes, M1 takes account protection seriously. Securities in M1 Invest accounts are insured up to $500,000 by the SIPC, and M1 Spend checking accounts may be insured up to $250,000 by the FDIC. Additionally, M1 utilizes the latest information security technology.

What are the risks involved with investing through M1?

Like any investment, there are risks involved. Investing with M1 carries the risk of losing money, and past performance does not guarantee future performance. It's important to understand the risks before investing.

What are the perks of upgrading to M1 Plus?

Upgrading to M1 Plus provides subscription level features and rewards, including a higher interest rate on checking accounts, cashback on debit card purchases, a discount on borrowing rates, and an additional daily trading window for more investment control.

Can I open a checking account with M1?

Yes, M1 offers a checking account called M1 Spend. It provides instant access to your money and allows seamless movement of funds between investments.

Where can I find additional important information about M1?

You can find additional important information about M1 on the website at https://m1finance.com/legal/disclosures/. It is advisable to review this information before using the platform.

How is M1 distributed?

M1 is distributed by M1 Finance LLC and is available as a mobile app. The company is located at 200 N LaSalle St., Ste. 800, Chicago, IL 60601-1030, United States.

Can I borrow money with M1?

Yes, M1 offers smart borrowing options. With just $10,000 invested, you can unlock a flexible line of credit at one of the lowest rates in the market. However, borrowing on margin carries additional risks.
author
Easy to use, great customer service, improvements happening all the time. Love the research tools and the Spend & Borrow features. Highly recommend!
Rachael Bohn
author
Easy to use, perfect for a beginner.
donald ohl
author
I like how easy it is to use.
louiemen
author
Nice platform with bank account and debit card 👌
Dalvin Jones
author
Awesome way to create your own investing strategy. Love that you can pick the stocks and set up the percentage, and they take it from there.
Brett Nebeker
author
Love it!
Max Steinhauer