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Earn 4.00% APY 1 on money in your Cash Accounts.

Cash Account

Individual High-Yield Cash Account

Joint High-Yield Cash Account

More about High-Yield Cash Accounts with M1

Account safeguarding

High-Yield Cash Account FAQs

Cash accounts differ from savings accounts

Invest

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and automated.
Intelligently invest your way, commission-free.

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SEP IRA

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Dividend investing

Roll over your retirement plan to M1

How M1 Pies work

Automate your investing

Borrow against your account

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Spend

Maximize everyday finances with tiered credit card rewards.

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Owner’s Rewards Card

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Automate your transfers

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Borrow

Tap into a portfolio line of credit to invest or get cash.

Margin Loans

Invest with margin

Portfolio line of credit

Loans

Personal Loans Further availability soon

More about Margin Loans at M1

What’s a margin loan?

What can you use a margin loan for?

Managing a margin account

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Sophisticated wealth building, simplified

At M1, we think a balanced portfolio shouldn’t be taxing. Invest for the years ahead without stressing day-to-day.

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4.5 on Google Play store*

Founded in 2015

1,000,000+ users

$10B+ in client assets as of October 2024

4.7 on Apple App Store*

4.5 on Google Play store*

Founded in 2015

1,000,000+ users

$10B+ in client assets as of October 2024

4.7 on Apple App Store*

4.5 on Google Play store*

Founded in 2015

1,000,000+ users

$10B+ in client assets as of October 2024

4.7 on Apple App Store*

A money management hub in your pocket

Invest

Learn more

Kick the busy work and automate your investing strategy.

Earn

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Stay liquid while you earn 4.00% APY 1 on your uninvested cash.

Spend

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Reward yourself with up to 10% cash back 2 on your purchases.

Borrow

Learn more

Borrow against your investment portfolio at 6.25%. 3

See M1 in action

Your strategy meets M1’s intelligence

Automated investing

Put your strategy on cruise control

You choose what you want to invest in, how much, and how often. Auto-invest handles the rest.

1 / 3

Dynamic rebalancing

No napkin math

M1 intelligently queues up trades based on the targets you set. Underweight holdings are bought first, giving you a more balanced portfolio over time.

2 / 3

M1 Margin Loans

Tap into your portfolio’s power

Borrow up to 50% of your portfolio’s value with a tap.

3 / 3

Account protections you can count on

Member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org .

All M1 High-Yield Cash Accounts deposits are FDIC-insured up to an aggregate total of $4.75 million. 4

M1 protects your private data with the latest information security technology.

As featured in

Best for Sophisticated Investors and Cryptocurrency Portfolio Selection

Investopedia, 2025

One of Time’s Best Investing

Time, 2025

Best for Money Management

Moneywise, 2025

Best Online App for Long Term Investment

Traders Union, 2025

Rethink your wealth-building experience today

Join M1 now

* Sources: https://apps.apple.com/us/app/m1-investing-banking/id1071915644 & h ttps://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US&pli=1

^ M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.

1 Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.

2 2.5% – 10% Owner’s Rewards cash back is earned on qualifying purchases based on M1’s rewards tiers that can be found here . All Standard Reward purchases receive 1.5% cash back. Owners Rewards and Standard Rewards are subject to a maximum of $200 cash back in aggregate per calendar month. Exclusions may apply. See Rewards Terms for additional information and exclusions.

3 M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.

4 The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks. A complete list of participating program banks can be found here .

SAIF-04292025-t4lhaghj

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Disclosures

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 is a technology company offering a range of financial products and services. “M1” refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, and M1 Digital 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 review our margin account risk disclosure 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 .

M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule .

M1 is not a bank. M1 High-Yield Savings Accounts and Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.

M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member  FINRA  /  SIPC . M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.

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.

M1 Digital LLC is a wholly separate affiliate of M1 Finance LLC, and neither are involved with the execution or custody of cryptocurrencies. Cryptocurrencies are not FDIC or SIPC insured. For relevant crypto disclosures and risks, visit Crypto Disclosures .

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.

M1 Finance LLC
200 N LaSalle St., Ste. 810, Chicago, IL 60601

© Copyright 2025 M1 Holdings Inc.

Home Earn Toggle child menu

Earn 4.00% APY 1 on money in your Cash Accounts.

Cash Account

Individual High-Yield Cash Account

Joint High-Yield Cash Account

More about High-Yield Cash Accounts with M1

Account safeguarding

High-Yield Cash Account FAQs

Cash accounts differ from savings accounts

Invest Toggle child menu

Flexible, customizable,
and automated.
Intelligently invest your way, commission-free.

Brokerage Accounts

Individual

Joint

Custodial

Retirement Accounts

Traditional IRA

Roth IRA

SEP IRA

Other Accounts

Crypto offered by Bakkt

Trust

More about investing at M1

Dividend investing

Roll over your retirement plan to M1

How M1 Pies work

Automate your investing

Borrow against your account

Account safeguarding

Spend Toggle child menu

Maximize everyday finances with tiered credit card rewards.

Credit

Owner’s Rewards Card

More about everyday finances with M1

Automate your transfers

Account safeguarding

More about credit at M1

What are Owner’s Rewards?

Borrow Toggle child menu

Tap into a portfolio line of credit to invest or get cash.

Margin Loans

Invest with margin

Portfolio line of credit

Loans

Personal Loans Further availability soon

More about Margin Loans at M1

What’s a margin loan?

What can you use a margin loan for?

Managing a margin account

Margin requirements

Risks & benefits of margin trading

Learn Toggle child menu

Resources to help you make informed financial decisions

Frequently Asked Questions

Taking Stock

Knowledge Bank

Retirement Calculator

Savings Calculator

Get Started Login

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