Invest 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 investing goals like retirement
•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

BORROW MONEY AT LOW RATES

•Borrow money at just 5%, or 3.5%*
•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
•With M1 Plus, set up custom, automated rules with Smart Transfers

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

DIGITAL CHECKING ACCOUNTS

•Free digital checking
•Earn up to 1% cash back on Visa® debit card purchases with M1 Plus
•Earn 1.30% APY** on your checking account with M1 Plus
•Get paychecks up to 2 days early†

CREDIT CARD

•Earn up to 2.5-10% cash back*** at select companies you invest in with the Owner’s
Rewards Card by M1
•$95 annual fee waived with M1 Plus
•1.5% cash back baseline
•invest your cash back rewards

ACCOUNT PROTECTION 

•Securities in M1 Investing accounts are insured up to $500,000 by the SIPC
•M1 Spend checking accounts may be insured up to $250,000 by the FDIC

DISCLOSURES

See all fees at m1finance.com/legal/disclosures/misc-fees/
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.

All investing involves risk, including the risk of loss. Borrowing on margin can add to these risks, and you should learn more before borrowing. M1 does not provide investment advice, and this is not an offer or solicitation of an offer, or advice to trade any security.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.

*M1 Borrow available on margin accounts with at least $2,000 invested. Borrow rates may vary.
Borrow not available for all accounts.
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**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. †Early Direct Deposit is dependent on your payroll provider.

M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 is not a bank.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC. 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.
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***Credit Card not available for US Territory Residents. 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Review card disclosure for more details on cash back. The Owner’s Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
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© Copyright 2022 M1 Holdings Inc.

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