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M1 is the all-in-one, Finance Super App. Build and manage your wealth from the convenience of a high-tech, intuitive mobile platform. Hundreds of thousands of investors have trusted M1 Finance with over $5B in assets. See for yourself why M1 is an award-winning experience.

Plan long-term investing in just a few taps and automate your finances with Smart Transfers: custom rules that move your money how you want.

INVEST
Invest with an individual, joint, trust, or custodial account. Or get started with a Traditional, SEP, or Roth IRA or rollover a 401(k).

Buy stocks, ETFs, bonds, and mutual funds with an intuitive Pies interface; let our automated tools do the buying and selling for you.

Pre-built Expert Pies help you invest according to your values, risk tolerance, diversification strategy, retirement plans, or even the strategies of successful investors.

Fractional shares let you invest as little as one dollar, so you can invest with more power and flexibility.

One-click rebalancing makes sure your investments match your goals.

With M1 Plus, get exclusive perks, features, and rewards for just $125 a year, with your first year free.

BORROW
Borrow against your investments with flexibility and ease with rates from 2%-3.5%*.

Access your money with just a few taps; use it for whatever you want. A down payment, margin investing, or a dream vacation—anything.

SPEND
Save with free, digital checking.

Get 1% APY** on your checking balance (33x the national average) and 1% cash back when you’re an M1 Plus member.

THE OWNER’S REWARDS CARD BY M1
Join M1 Plus to apply for a credit card like no other. Earn 2.5%-10% cash back*** when you spend at select brands in your M1 portfolio, and 1.5% cash back everywhere else.

You can automatically reinvest your rewards money to build wealth—even as you spend it.

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.

DISCLAIMERS
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.

*M1 Borrow available on margin accounts with at least $5,000 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. National average is 0.03% APY, as of April 2021. Obtained from the FDIC.

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. 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 2021 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