M1: Save, Invest, Bank

You can now save at an industry-leading 5.00%2 APY as an M1 Plus member, invest in cryptocurrency and stocks commission-free, borrow money at low rates, and transfer money in one automated platform with M1 Finance.

AUTOMATED INVESTING

• Buy stocks and ETFs to build a long-term, customized investment plan with Pies
• Use pre-built portfolios, ‘Expert Pies,’ designed for your investing goals
• Invest in companies that share your values with Community Pies
• Invest as little as $1 with fractional shares
• Invest with an individual, joint, retirement, trust, or custodial investing account

M1 HIGH-YIELD SAVINGS ACCOUNT

• M1 Plus members up 5.00% APY2 on their savings balance
• All other M1 clients can earn up 1.50% APY2 on their savings balance
• Your savings balance is FDIC-insured up to $5 million3

BORROW MARGIN AT LOW RATES

• Borrow margin at just 8.50%, or 6.95% with M1 Plus*
• Borrow up to 40% of your portfolio’s value
• Access funds and get liquidity without selling securities

TRANSFER MONEY

• Transfer money once or automatically on a schedule

INVEST FOR THE LONG TERM WITH OUR FINANCE APP

• Invest personal capital for your investing values, risk tolerance, diversification, retirement, and more with Expert Pies
• One-click rebalancing adjusts your investments to your investing strategies

CREDIT CARD

• Earn and reinvest cash back as you like with the Owner’s Rewards Card. Get standard rewards of 1.5%, or earn 1.5-10% with M1 Plus***

SAVE

• In May, M1 will be offering a high-yield savings account where M1 Plus1 users will earn 4.5% APY2 on their cash. This will be an FDIC-insured account offered by B2 Bank National Association3

CRYPTO

• You can now make Crypto part of your long-term investing strategy, invest automatically in custom pies, commission-free
• Invest in cryptocurrencies such as BTC, ETH, ADA and SOL
• Rebalance your crypto Pies easily
• Secure crypto storage with custodial wallets powered by Apex Crypto

ACCOUNT PROTECTION 

• M1 Invest Brokerage products and services are offered by M1 Finance LLC, Member of SIPC
• All M1 High-Yield Savings Account(s) deposits are FDIC insured up $5 million3

Additional DISCLOSURES

For full list of fees visit M1 Fee Schedule at https://m1.com/legal/disclosures/misc-fees

See disclosures in the final screenshot above or visit https://m1.com/legal/disclosures

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.

Must be 18+ and US resident to open an account. M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. "M1" refers to M1 Holdings Inc., and its affiliates.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.

M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.

***Credit Card not available for US Territory Residents. The Owner's Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Review Cardholder Agreement and Rewards Terms for important information about the Owner's Rewards Card by M1

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.

© Copyright 2023 M1 Holdings Inc.

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