Why won’t my check from M1 Spend send?

You recently opened your account  

To use Send Check, you need to have a M1 Spend account open for more than 90 days after your initial deposit.  


You attempted to send a check over the daily limit 

The daily maximum for Send Check is $5,000, with a monthly limit of $25,000. There is no limit to the number of checks that can be sent in a day. However, the maximum amount that you can send daily is $5,000.  


Your check is still processing 

Your check will typically reach its destination within three to nine business days. We recommend providing extra time for time sensitive payments. 


The information on your check is incorrect 

It’s always important to provide the correct information before sending.  

This includes: 

  • Payee name 
  • Account type 
  • Account number 
  • Routing number 
  • Payment amount 

In some cases, the receiving bank may reject payments based on a mismatch between account information and payee name. 


Your check went into manual review 

To protect your account, we will sometimes need to perform a manual review of a transaction. When this occurs, you will be prompted to provide a copy of a recent bank statement to support@m1finance.com.  


If you still have questions about Send Check, please contact M1 support. 

Send check feature is only available for M1 Plus Spend accounts. Learn more about M1 Plus here. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. 


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