M1 Plus perks


Afternoon trade window 

This trade window, exclusively for M1 Plus members, begins at 3pm ET *. 


ATM fees reimbursement 

M1 Spend does not charge ATM fees.  

Plus members get reimbursed for up to four ATM fees charged by other institutions per month. M1 Plus members will receive their reimbursement by the 10th of the following month. 


International fee reimbursement 

When you use your Spend card outside of the United States and the merchant does not settle transactions in US dollars, you will be charged a 1% conversion fee.  

When you use your Spend card outside of the US, and the merchant does settle the transaction in US dollars, you are charged a 0.80% International Assessment fee. You will not be charged both fees at one merchant. 

Plus members are reimbursed for any international fees. You’ll receive the credit by the 10th of the following month. 


Cash back 

Plus members get 1%** cash back on qualifying debit card purchases. 

Any transfers of funds, including those facilitated via a card transaction, are not eligible for cash back.  

Cash back from the previous month will be paid out by the 10th of the following month.  



Plus members earn 1% APY***.  

Interest is paid automatically on the last day of each month immediately following the interest accrual time. 


M1 Borrow 

Plus members receive a 1.5%**** reduction on the rate for M1 Borrow so you can easily access money for even less. 


Smart Transfers 

Plus members can create Smart Transfers, or cash sweeps, between their M1 Spend and taxable Invest accounts.  


Send Check 

Send Check is M1's check-writing feature that allows Plus members to send money and pay bills when a traditional check is the best option. 


* Participate in both windows daily when you have $25,000+ in your investment portfolio to comply with pattern-day-trading regulations. 

**Rates are variable and subject to change. 

***No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. 

****M1 Plus Borrow rate is a reduction of the M1 Borrow base rate of 3.5%, which is variable and tracks the Federal Funds Rate. When the Federal Funds Rate goes up or down, the M1 Borrow base rate may follow. 


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