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M1: The Finance Super App™
MANAGE YOUR MONEY WITH EASE
M1 Plus: Add more to your M1
Exclusive features and rewards that help you earn more, access more and receive more perks and discounts.
Your first year is free (a $125 value). There’s no catch, and it only takes a moment to sign up.
With M1 Finance, you can invest, borrow, and spend on one intuitive platform. Customize your
strategies, automate the big picture, and let The Finance Super App®️ take care of the day-to-day—
commission-free.
Tools for the modern investor
Invest
Commission free, automated, and deeply customizable investing.
Borrow
Access a flexible line of credit with a few taps at just 3.5% interest. 2% with Plus. 
Spend: Checking
Free digital checking. Get 1% APY with M1 Plus.
Spend: Credit
Earn up to 10% cash back with the Owner’s Rewards Card: the credit card for investors.
M1. Yours To Build.®
Our philosophy
for long-term
wealth
Fewer fees
Because every dollar you don’t pay in management fees is one you can invest in yourself.
Smarter tools
Because your time is as valuable as your money. You make the choices that are right for you, we handle the rest.
Wiser strategies
Because you believe that building long-term wealth isn’t achieved by day-trading or neglected retirement accounts.
Up to 10% cash back credit card
Apply and use the Owner’s Rewards Card by M1 as an M1 Plus member and we’ll waive the annual credit card fee. Earn 1.5%-10% back at huge brands.
2% loans through M1 Borrow
Borrow on margin at our lowest rate, and one of the lowest on the market.
1% APY Checking
Earn 33x the national average APY for a checking account. That’s more in 2 weeks than a year at a big bank.
Custodial accounts
Build long-term wealth for the next generation.
How we do it: Our values
Mission Driven
Life is short—everyone should spend their waking hours on something they find meaningful. We believe improving people’s financial wellness improves lives. It’s a vital and worthy cause.
Extreme Ownership
We think and act like owners. That means we’re responsible for the results to our clients, coworkers, and M1 shareholders. Our focus is on building long-term value, not scoring short-term marks.
Boldness
We want to do things of consequence. Make a difference. Put a dent in the universe. Thinking big inspires results. We’d rather fail at something meaningful than succeed at something trivial.
Bias For Action
Results lag prior efforts—we can’t hope or wait for results. Instead, we believe a good process leads to good outcomes and persistent progress leads to compounding.
Economical
We strive to do more with less. We’ll always be limited in time, money, and energy, especially compared to our ambitions. We must use our limited resources on what matters and regard constraints as motivators.
Team Oriented
People at M1 may play different roles, but we’re all on the same team. Together, we can achieve more. We maintain a low ego, make everyone feel welcome, trust one another, and seek out and respect different perspectives.
Challenged, But Not Overwhelmed
We are curious people who always want to grow. We support growth through high standards, clearly defined responsibilities, and broad autonomy, with help when needed.
Integrity
We do the right thing. When we make mistakes, we own and correct them. We’d be proud if our actions are shared with our family, friends, and strangers. Everyone can count on us to act according to our values. This trust must never be broken.
Total control, total automation
for your wealth today and tomorrow.
