M1 Finance FAQs

Portfolio - Your portfolio is made up of pies and/or slices. Add custom 'my pies' and expert pies to organize your securities.

Pie A Pie is a group of securities; Pies can be used to organize your portfolio and your investment strategy. Make your custom pie under the Research tab and set your target weights for different holdings. Expert pies are built by M1 and can also be added to your portfolio.

Slice A slice is an individual security. Portfolios can have an aggregate total of 100 securities.

Deposit A Deposit refers to transferring money from your external bank into your M1 account. It is a Deposit into M1.

Withdrawal A Withdrawal refers to transferring money from M1 into your external bank account. It is a Withdrawal from M1.

Account Rejected Any newly opened account can be rejected which means additional documentation is needed before it can be activated. M1 would need a state ID and utility bill as verification documents. Users are often rejected because of a security freeze, a typo with their biographic information, or they are between the age of 18-23 and do not have a credit history.

Auto-Invest When this function is on and your cash balance exceeds $10, M1 will invest the funds automatically into the portfolio using the dynamic rebalancing method. You have the option to turn auto-invest off and make manual orders if you would prefer.

Dynamic Rebalancing - With M1's Dynamic Rebalancing, every trade with new cash in your portfolio pushes you closer to the target percentages you set. Whenever your account makes new trades, the algorithm identifies slices that are most relatively underweight and puts money in those first.

Manual Rebalance A manual rebalance can take place on your full portfolio or one pie within your portfolio. This can be done by clicking the rebalance button and M1 will sell off overweight securities and buy underweight securities. Your target percentages will become your actual percentages for each security.

Buy/Sell Manually You can place manual buy or sell orders on the portfolio, individual pies, or individual slices. On the portfolio tab, click directly on the pie or slice for the order then click the buy/sell button.

If you have a bank account with one of our supported institutions, you can enter your online log in credentials:go "Invest", then to " Funding ". If your bank is not listed, you can create a banking relationship using micro-deposits.

After initiating your bank connection to M1 with your routing and account number, you'll receive micro-deposits (two small deposits) to verify your bank account within a couple of business days.

Example 1:Sandra connects her bank on Monday using her routing and account number, she should expect to see the two small deposits in her bank account on Tuesday or Wednesday.

Example 2:Matthew connects his bank on Friday, he should expect to see the two small deposits on the following Monday or Tuesday.

When you've received these small deposits in your bank account, log back into your M1 account and go "Invest", then to " Funding ".Click on "Verify" and enter in the value of the 2 small amounts that showed up in your bank account (sometimes you will need to reverse the order).

After verifying the micro-deposits, you have connected your bank and you can begin depositing.

You can only connect one bank account to your M1 Account at a time.

Afternoon Trade Window: This new trade window, exclusively for M1 customers who are M1 Plus members, begins at 2pm CT. To learn more about this feature, click here.

ATM Fees Reimbursement: Youll get ATM withdrawal fee reimbursements (4 per month)! Rebates from the previous month will be paid out by the 10th of the following month.

Cash Back: M1 Plus members get 1% cash back on all debit card purchases. Cash back from the previous month will be paid out by the 10th of the following month.

Interest: M1 Plus members get 1.5% APY*. Interest is paid automatically on the last day of each month immediately following the interest accrual time.

M1 Borrow: You will receive a .25% discount on borrow rates so you can easily access money for even less. Learn more here: M1 Borrow Discount.

To learn more about M1 Plus click here.

There are two ways to get in touch with M1:

For the quickest response, submit a support request via email here.

Via phone at 312-600-2883. We are available from 9:30am-5pm EST Monday-Friday except for holidays.

If you contact M1, we will get back to you as soon as possible and no later than the next business day.

Yes, in an effort to avoid ACH returns and fraudulent activity, M1 does not accept ACH relationships established through the following institutions and routing numbers:

Routing Number

Bank

124085024

GE Money Bank

101019084

Central Bank of Kansas City

021409169

RushCard (JPM Chase)

031101169

Bancorp, NetSpend Bank

114924742

Bancorp, NetSpend Bank

124303120

Green Dot Bank, (Bonneville Bank)

061120000

Green Dot Bank, (Synovus)

084003997

MetaBank (Memphis)

073972181

MetaBank (Sioux Falls, SD)

061120084

First Century Bank, Payoneer

124071889

American Express Centurion Bank

124085024

Green Dot Bank (Pasadena)

124302529

Green Dot Bank (Provo)

124303162

GoBank Division of Green Dot Bank

031101279

Chime Bank

62202985

Metropolitan Commercial Bank

26014902

Metropolitan Commercial Bank

ATM Fees: M1 does not charge any ATM fees, however, the ATM you are using likely will.

Signed up for M1 Plus? Youll get ATM withdrawal fee reimbursements (4 per month)! Rebates from the previous money will be paid out by the 10th of the following month.

Low Balance Fees: There are no fees for failing to maintain a minimum balance.

Transaction fees: There are no transaction fees for using your M1 debit card.

Foreign Transaction Fees: When you use your Visa debit 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 Visa debit card outside of the United States, 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.

M1 Plus fee: This is a membership program with an annual fee of $125. This membership comes with several perks. You can compare the two options below.

here

Learn more about M1 Plus by clicking .

What is a CustodialAccount?

Acustodial brokerage account is set up for the benefit of a beneficiary and administered by a responsible person, known as acustodian, who has a fiduciary obligation to the beneficiary. These are most commonly used to open accounts for minors.

Does M1 Support CustodialAccounts?

At this time, M1 does not support custodial accounts. We hope to provide these types of accounts in the future and will update all our users once they are available.

Overview

M1 takes security very seriously and account protection is one of our top priorities. We are a registered broker/dealer with FINRA and a member of SIPC.

Security

All data transferred and stored within our systems is protected with military-grade 4096-bit encryption. For additional protection, we offertwo-factor authentication to keep your account extra secure. You can enable two-factor authentication in the Settings of M1.

Insurance

SIPC (Securities Investor Protection Corporation) protects against the loss of cash and securities held by a customer. SIPC protection is up to $500,000 which includes a $250,000 limit for cash. SIPC does not protect you for any decline in the value of your securities.Our clearing firm has also purchased supplemental insurance in the event that SIPC limits are exhausted.

M1 Spend and M1 Plus accounts are FIDC insured up to $250,000 and further insured through Lincoln Savings Bank.

The trade window is the window of time each weekday when M1 makes all trades for user accounts. M1's trade window benefits users because it helps keep M1's management fees low since M1 is only trading one time or two times per day, depending on whether you are eligible to trade in the second window. M1 is a long term investing vehicle, not a trading platform, so timing of trades is less important.

Morning Trade Window

M1's trade window begins at 9am CT everyday the NYSE market is open and runs until all orders have been completed. All M1 Finance customers have access to the morning trade window.

Changes to your portfolio made before 9am CT on days that the NYSE is open are generally executed that same day during M1's morning trade window. Accounts that trade will see updates after the trade window has closed.

Afternoon Trade Window

This new trade window, exclusively for M1 customers who are M1 Plus members, begins at 2pm CT. Customers with standard M1 Finance accounts will continue to trade during the morning trade window at 9am CT.

Why we created the Afternoon Trade Window

A second trade window can help customers have more control over their investments by having another opportunity to make changes

Make a deposit and have it invested before the market closes

Take action that aligns with your investing strategy when the market moves and you want to adjust your investments before the markets close that dayend of the day.

Provides more time for customers in Western U.S.

When you can use the Afternoon Trade Window

The afternoon trade window is exclusively available to M1 Plus members. Havent signed up? Upgrade to M1 Plus here.

M1 Plus members with an account value of $25,000 or more in their accounts may trade during both windows.

M1 Plus members with an account value of less than $25,000 in their accounts may trade during either trade window.

Those with standard M1 Finance accounts continue to trade during our morning trade window at 9:00 AM CT.

Why these restrictions? The M1 Team is mindful of the rules that govern trading markets and in order to make this feature available, we included these restrictions so our customers do not inadvertently run afoul of FINRAs Pattern Day Trading rules.

Note: The $25,000 rule is based on a per-account level, not how much you have in aggregate on the M1 Platform.

For example:

You have 3 Invest accounts with M1 with the following amounts. Below is their eligibility to trade in both the morning and afternoon trade window.

Account Type

Value

Trade Two Times Per Day Eligibility

Roth IRA

$15,000

No

Individual

$28,000

Yes

Traditional IRA

$147,000

Yes

Even though 2 out of the 3 accounts are above the $25,000 limit this customer stillwon'tbe able to trade during the morning and afternoon window with their Roth IRA, though this M1 Plus member has the ability to trade during the morning or the afternoon window. .

How deposits work with the Afternoon Trade Window

Note: If you have less than $25,000 and traded during the 9 am trade window you will not trade until the following day.

Where can I find more information about when my account will trade?

You can easily find information on the next trade window available to you inside the M1 app. On mobile, swipe up on your drawer at the bottom of the Portfolio screen to see your eligibility and when your orders will go through.

On the web dashboard, you can find this information directly below your Pie.

Description

In this webinar, our Client Success team will show you how to get started using M1. We'll explain best practices to begin investing with Pies and how to update and use M1 in the future!

Agenda

How to choose your investments and create your first Pie

Fund your M1 account and use our auto-invest feature

Make changes to your portfolio and execute changes

Learn how M1 Finance trades

Live Q&A session

Date & Time: Thursday, December 5th, 2019 12:00 PM CDT

Deposits

External Bank Account to M1 Spend Account

This can take between 2-3 business days.

External Bank Account to Taxable/IRA Account

This can take between 3-5 business days.

M1 Spend Account to Taxable/IRA Account

This usually completes by the next business day. For Plus customers, this will complete by the next trading window.

Withdraws

M1 Spend Account to External Bank Account

This can take between 2-3 business days.

Taxable/IRA Account to External Bank Account

This can take between 3-5 business days. Funds will need to settle (see Settlement Period below) before the transfer can be initiated to your external bank account.

Settlement Period: Before any funds can be disbursed to our users, all sales must settle. Settlement occurs on T+2 (Trade Date plus two trading days). Funds take two trading days after their sale to be available for disbursement.Example: A withdrawal is requested on Thursday. Securities are sold on Friday and will generally settle on the following Tuesday.Holding Period: All new deposits to the M1 Invest require a 6 business day holding period before they can be withdrawn. After 6 business days, the transfer to your bank begins.Example: You deposit $500 into your account on Monday the 1st of the month. A withdrawal for $100 after this will be held until Tuesday the 9th before the transfer to your bank begins.Anti-Money Laundering (AML) Regulations: All funds received from a banking institution can only be returned to that same bank for 60 days. For their first 60 days, funds received cannot be disbursed to a different bank then from where they were originated. If you have a specific need to bypass this restriction, please reach out to [email protected] and they can help with your request.

Taxable/IRA Account to M1 Spend Account

This can take between 2-3 business days. Funds will need to settle (see Settlement Period below) before the transfer can be complete to your Spend account.

Settlement Period: Before any funds can be disbursed to our users, all sales must settle. Settlement occurs on T+2 (Trade Date plus two trading days). Funds take two trading days after their sale to be available for disbursement.Example: A withdrawal is requested on Thursday. Securities are sold on Friday and will generally settle on the following Tuesday.Holding Period: All new deposits to the M1 Invest require a 6 business day holding period before they can be withdrawn. After 6 business days, the transfer to your bank begins.Example: You deposit $500 into your account on Monday the 1st of the month. A withdrawal for $100 after this will be held until Tuesday the 9th before the transfer to your bank begins.Anti-Money Laundering (AML) Regulations: All funds received from a banking institution can only be returned to that same bank for 60 days. For their first 60 days, funds received cannot be disbursed to a different bank then from where they were originated. If you have a specific need to bypass this restriction, please reach out to [email protected] and they can help with your request.

Note:

Pending Transfers: M1 only allows for a single pending transfer at a time. Until a transfer request is completed or canceled, you will be unable to create a new deposit or withdrawal. Before completion transfers can always be canceled in the funding tab.

Trading Days: M1's trade window occurs at 9am CT every day the NYSE market is open. This is every weekday except for the NYSE holidays.

M1 will make a best effort attempt to execute and fill all buy/sell orders. M1's automated trading includes all buy/sell orders during the first trade window after submission. You can always see your pending calculated trades in your account's 'Activity' tab. There are a few circumstances where buy/sell orders will not be executed to match your explicit instruction.

When will buy/sell orders be fulfilled?

All trade orders are included in the next trade window.

Example:A user inputs a buy order on Saturday, this buy order will be included during Monday morning's trade window. More info on trade windows.

What can cause a buy/sell order not to be fulfilled completely?

Lack of cash available to complete buys

If you do not have enough cash available to trade for all buys orders, M1 will have to pro-rate the orders to match the available cash

Example: A user submits a $100 buy order for Stock A and a $100 buy order for Stock B and has $100 in available cash. M1 will prorate these orders to $50 for Stock A and $50 for Stock B

You can always see your available cash on the buy order submission screen. Cash available to trade includes all cash in your account, incoming deposits, and pending sell orders

Fractional Share Limitations

When you trade fractional shares you can buy up to 1/10,000 of a share. While this allows us to trade in small increments, there is a limitation to precision.

Example: If Stock A is selling for $900 per share we can purchase Stock A in $.09 increments because 1/10,000 of a share of Stock A is $.09. If a user has a $100 buy order of for Stock A, the closest we can get to $100 using a $.09 increment is $99.99.

Sell orders not receiving enough to make buy orders

When you submit buy and sell orders during the same trade window, our system will sell first and then buy using the received funds. If the received funds from the sell is less than expected, the buy orders will be prorated to the funds available

More information on M1's Trading System and Cash Management

M1 Finance allows you to place individual orders to buy or sell from specific slices of your portfolio.

To place an order, select the slice of yourPie you want, choose Buy/Sell, and confirm your order details. After you've placed an order, you will see confirmation of the pending buy or sell orders in Activity.

Orders will complete during next trade window. Learn more about how orders work and how M1 fulfills order requests.

See the walkthroughs below for instructions on how to place both buy and sell orders within the M1 mobile app and the M1Finance.com website.

Making a buy order in the mobile app

Making a sell order in the mobile app

Making a buy order on the desktop site

Making a sell order on the desktop site

In addition to auto-investing into your entire portfolio, an M1 user has the flexibility to make individual buy and sell orders on any slice in their portfolio. For all orders there are two inputs: slice and dollar amount. For buy orders, the user chooses which slice to buy and how much (in dollars) to purchase. All orders will be taken into account during the next trade window.

How to place orders: step-by-step.

Buy Orders

Placing a buy order signals to the M1 trading system that you would like to purchase a dollar amount of a specified slice. To make buy orders a user must have cash available to trade; M1 will not withdraw money from your bank to complete a buy order. Cash available to trade is the summation of their cash, their sell orders, and incoming deposits.

Example: Jenny places a $100 buy order for Stock A. Jenny ( if she has the funds available ) will purchase $100 of Stock A during the next trade window.

Sell Orders

Placing a sell order signals to the M1 trading system that you would like to sell a dollar amount of a specified slice. The maximum sell order for any slice is the current value of that slice. Money from a sell order can be used to place a buy order; it can also can be held as cash, or can be re-invested in your portfolio depending on your Cash Balance Control settings.

Example: Jenny places a $100 sell order for Stock B.Jenny ( if the slice has enough value ) will sell $100 of Stock B during the next trade window.

Buy/Sell Order FAQs

Can I rebalance my portfolio and make buy/sell orders at the same time?

No, a user cannot make individual buy/sell orders and rebalance requests during the same trade window.

How will M1 treat my buy orders if I don't have enough to trade?

To fulfill buy orders, a user will need cash available to trade. If the cash available to trade for a user is less than the summation of all of his or her buy orders then M1 will prorate the requested buys.M1 will not withdraw additional cash from a connected bank account unless a deposit into M1 is scheduled or requested.

M1 Finance automates the construction and maintenance of your custom investment portfolio. After you create your Pie-based portfolio, M1 utilizes its proprietary trading system to automate all of your trading activity.You'll never have to input or execute any trades manually.

M1 aggregates all trades and executes them during a single Trade Window. All trading activity for the day will be completed during this window, and your portfolio will update after M1's Trade Window has closed for the day.

M1 utilizes event-driven automation. There are distinct events that cause your account to trade: your first deposit, future deposits and withdrawals, rebalances, cash, and orders. You can learn all about what how your account will trade with the descriptions and animations below.

Your first deposit into your M1 account

After creating your portfolio, you can make your first deposit to begin investing! Your very first deposit will be invested in alignment with the targets you set for your portfolio during the next trade window. Check out our video to learn more about building your first portfolio and making your first deposit.

orders Example A: A portfolio created with 5 slices each targeted at 20% after an initial $100 deposit.

Example B: A portfolio created with 5 slices, each targeted at 20%. One slice is a Pie containing two targets, each set to 50%.

Future funding and withdrawals

While your first deposit is split up evenly based on your portfolio targets, future trades will be completed in an effort to return your portfolio to these targets. This is called Dynamic Rebalancing. M1 intelligently and automatically rebalances your portfolio little by little as you deposit and withdraw cash from your portfolio. So if one of your securities is underweight in relation to your target, more money will flow into that asset when you make a deposit.

Example A: A portfolio valued at $10,000 adds $2,500. The most underweight slices are funded to return the portfolio to balance.

Example B: A portfolio valued at $10,000 adds $1,000. Only most underweight slices slices are funded, bringing the portfolio closer to balance.

Example C: A $10,000 portfolio adds $2,500. One slice contains a Pie with two targets and the underweight target within the Pie receives a larger share to return to balance.

Withdrawals from your portfolio have the same effect, but in reverse; more money will flow out of your overweight securities when you make a withdrawal.

Editing your portfolio and liquidating a slice

When you make changes to your targets such as changing the percentage or adding a new slice, your portfolio will not automatically buy and sell holdings to return your portfolio to your new targets. These changes will occur over time with M1's Dynamic Rebalancing.

The exception to this rule is when you remove a slice from your portfolio. When a slice is removed from a Pie, M1 will liquidate the holdings and reinvest the money in that same Pie.

Example A: A slice is removed from your portfolio. The $20 holding is liquidated and is reinvested based on your new portfolio targets.

Example B: A slice is removed from a Pie within your portfolio. The main portfolio is not changed, the $10 from the deleted slice is re-invested at the Pie level.

Rebalancing your portfolio

In addition to our Dynamic Rebalancing, there are actions you can take to override our automated trading. The first of these is manual rebalancing.

As the market causes your portfolio to drift away from your targets, or if you have made adjustments to your portfolio targets, you may want to quickly rebalance your portfolio or a single Pie. This can be accomplished by requesting a manual rebalance. Rebalance requests can be completed at the portfolio level, or for a single Pie within your portfolio.

Example A: Rebalancing your portfolio

Example B: Rebalancing a Pie within your portfolio

Cash Balance Control

By default, all cash deposited into your account is included in our automated trading. However, you can choose to hold your cash uninvested, or choose to leave a dollar amount of cash uninvested. This gives you more control over when and how your money is invested.

Examples: See how adjustments to your Cash Balance Control affect how your cash flows into your portfolio

Orders

In addition to M1's automated trading, you can also place individual to buy or sell slices or securities within your portfolio. Order requests will be prioritized ahead of automated trades. You can use the existing cash in your account to place a buy order, use cash from a pending sell order, or request a deposit to complete the order request.

Example A: A buy order is requested when you have $100 of uninvested cash. The cash is invested directly into the requested slice.

Example B: A $50 buy order is requested along with a deposit request of $100. $50 is invested directly into the requested slice, and the remaining $50 is traded automatically throughout your portfolio.

If you own a security and remove it from your target allocation, it will be liquidated during the next trade window. The proceeds from the sale will be reinvested in the Pie it was removed from based on your target allocations.

M1 supports securities listed on NYSE, NYSE ARCA, NYSE MKT, and NASDAQ. If a security you own gets delisted from one of these supported exchanges, your account will be frozen until you remove that position from your M1 portfolio. Once the security is removed, it will be liquidated during the next trade window.

No. M1's trading algorithm will never let you buy and sell the same security during a single trade window. This is to prevent you from being flagged as a pattern day trader.

Amount of Pies that you can create:

While M1 offers a finite amount of expert Pies based on generally accepted investing methodologies, you are able to create a number of Pies based on your own investing objectives. However, as a whole, you will not be able to save a portfolio that holds over 100 individual positions.

Same securities allowed in different pies:

Every Pie is tracked independently and the same security can be held in two different Pies. If during a trade window, the M1 trading algorithm indicates buying "Security A" in one Pie and selling "Security A" in another, the orders would be internally netted first and only the net amount would be executed. M1 will never buy and sell the same security on the same day.

M1 supports most common stocks, ETFs, and CEFs listed on the supported exchanges. However, due to the nature of the trading algorithm, M1 can only support actively traded securities. M1 has volume requirements for all of its supported securities. If a supported security falls below M1's required threshold, that security will be removed from the list of securities that M1 supports. If you own this security in your portfolio, you will be contacted by our support team to request you to remove that security from your target allocation. No trading on your account will occur until the security is removed. After the security is removed, automatic trading will resume and that position will be liquidated during the next trade window.

The move money button is where youll find the option to create different types of transfers. 1. Create a one-time transfer 2. The Recurring Transfers option allows you to automate your transfers. Note that we created a new bi-weekly option! 3. Use the Direct Deposit tab to find your M1 Spend bank account and routing number to set up paying your bills or depositing your paycheck in that account. Note this option is only available for M1 Spend enrolled customer. 4. Have an account at another brokerage? Use the Account Transfer to learn more on that process.

Pending Transfers: M1 only allows for a single pending transfer at a time. Until a transfer request is completed or canceled, you will be unable to create a new deposit or withdrawal. Before completion transfers can always be canceled in the funding tab.

Trading Days: M1's trade window occurs at 9am CT every day the NYSE market is open. This is every weekday except for the NYSE holidays.

Here is a short tutorial video on editing your M1 portfolio targets and creating new My Pies.

You always have complete control of your portfolio and can edit your slices (stocks, ETFs, Pies) at any time. When editing your portfolio, you have the power add, remove or alter the target percentages on slices.

Watch a video to learn how to edit your portfolio.

To edit your portfolio, navigate to the Pie Details page. To get there click the 'Edit' button on the portfolio page or navigate directly to your Pie from the My Pies page.

Security Maximum:

The maximum number of securities you can have in your portfolio is 100.

Adding more than 100 securities will result in a trading pause on your account until the number of securities falls below 100 again.

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On Mobile:

An M1 user, always has complete control of their portfolio and can make edits to your slices (stocks, ETFs, Pies) at any time. When editing your portfolio, you have the poweradd,removeorchangethe target percentages on slices.

Pie Details

In order to edit your portfolio, you will have to first get to your Pie Details page, to get there click the '' button on the portfolio page, then "Edit Pie"

rebalance.

Add

To add a slice, click the blue '+' button. You will then choose any new stock, ETF, or Pie to add to your portfolio. After you choose your new slices, they will queue up. When you are ready to add them to your portfolio, click save.

Remove

Android

To remove a slice, on the 'Allocations' page,click the box next to a slice and then click remove. Removing a slice will trigger M1 to sell that slice during the next trade window.

iPhone

To remove a slice, on the 'Allocations' page, click or swipe the box for the slice and then click remove. Removing a slice will trigger M1 to sell that slice during the next trade window.

Change Targets

To update your target percentages, change the percentages to the new targets and click 'Save'

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On Web:

Add

To add a slice, click the 'add slices' button. You will then choose any new stock, ETF, Expert Pie, or Custom Pie to add to your portfolio.

After you choose your new slices, they will queue up at the bottom of the screen. When you are ready to add them to your portfolio, go ahead and click add to pie.

Remove

To remove a slice, on the 'Pie Details' page, click the box next to a slice and then click remove. Please note: Removing a slice will trigger M1 to liquidate that slice during the next trade window. The money from the liquidation will be reinvested into your Pie.

Edit

To adjust your target percentages, change the percentages to the new targets and click 'save'. Changing only the target percentages will not trigger any trading activity. These changes will occur over time with the natural inflows of money into your account. If you want the new targets to reflect your actual holdings, you can request a

By now,you'vecreated your account and set your portfolio, now all you have to do to start investing is connect your bank and make your first deposit.

Connect your Bank and Fund your Account:

_______________________________________________

On mobile:

Navigate to the funding tab in the Invest section of the app and click the Add bank button. Click on your bank or search for your bank and sign in with your credentials.

here

Note: you can also connect your bank using your bank account and routing numbers with micro-deposits.

Funding your account:

Now that your bank is connected, its time for your first deposit. You can do so a few different ways.

Tap on the top left corner to open up the Invest menu and navigate to the Funding tab. Click the Deposit button. Set an amount to invest, click Continue, and then confirm that all the details look correct.

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On web:

Navigate to the funding tab in the Invest section of the platform and click the Add bank button. Click on your bank or search for your bank and sign in with your credentials.

Note: you can also connect your bank using your bank account and routing numbers with micro-deposits.

Funding your account:

Now that your bank is connected, its time for your first deposit. You can do so a few different ways.

Click on the Deposit button on the top right portion of the screen.

Alternate: navigate to the funding tab and click on the deposit button on the left. Then, set an amount, click Continue and then confirm that all the details look correct.

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M1 Tip: Did you know you can set recurring deposits to invest on a schedule? Its an easy way to build your wealth automatically.

Check out this guide to learn how your deposits will flow into your investment portfolio.

To see pending activity, navigate to the Activity tab on either web or mobile. There, youll be able to see details about your deposit, pending buys, pending sells, dividends received, and more.

Please note that M1 batches trades into a daily trade window to keep costs low and facilitate fractional shares. Learn more about our trade window .

M1 Borrow is the simplest and lowest cost way to borrow money. M1 Borrow allows you access to a flexible portfolio line of credit, offered at one of the lowest interest rates on the market.

You can use M1 Borrow to bypass traditional lending hurdles and get easier access to credit at a lower rate than the average mortgage, auto loan, or personal loan. With traditional methods, if you want to use invested funds to make a big purchase, you have to sell securities and incur tax consequences, which could be substantial. Traditional loans can require a significant amount of paperwork, a lengthy approval process, and high rates.

With M1 Borrow, you can borrow up to 35% of your account balance at a 3.50% interest rate instantly (3.25% if you are using M1 Plus). There's never been such a low cost, convenient, and flexible way to borrow money.

Who is eligible for M1 Borrow?

There's one qualification for M1 Borrow: a taxable brokerage account with a $10,000 or greater account balance. IRA accounts do not qualify for M1 Borrow.

There's no additional paperwork or credit check required, and you cannot be denied if you meet the qualifications.

How do I sign up for M1 Borrow?

There's no need to enroll in M1 Borrow. All eligible taxable accounts will be automatically enrolled. When your M1 account balance surpasses $10,000, you are given an instantly accessible line of credit. You do not need to use the line of credit and will only be charged for what you use. When requesting to borrow, you will be able to choose whether you would like to keep that money in M1 or transfer it to your bank account.

What does it cost?

The M1 Borrow interest rate is variable and tracks the Federal Funds Rate. The current M1 Borrow rate is 3.75%.

In most cases, the interest expense can be deducted from investment income for tax purposes. This can lower your after-tax cost of borrowing money even further.

You will be charged interest at the end of every month, and you will only need to pay for the line of credit borrowed. This amount is deducted from your cash balance if available or will increase your amount borrowed. Learn more about M1 Borrow billing.

How do I pay back my loan?

To pay back your loan, visit M1 Borrow and select "Pay Back". You will be shown both your current amount borrowed and cash balance.Enter the amount you would like to pay back. If your cash balance isn't high enough to pay back the full amount you wish to pay, we will sell from your portfolio to make up the difference.

There is no set payment schedule; you have complete control over how much and when you pay back, except in the case of a maintenance call. Learn more about maintenance calls below.

What are the risks of using M1 Borrow?

There are a few risks with using M1 Borrow, including:

Increased interest rates: As the Federal Funds interest rate changes, your M1 Borrow rate will change as well.

Maintenance Calls: If your portfolio value declines, your account can trigger a maintenance call.

Magnified Losses: If you use M1 Borrow to increase your M1 portfolio investments, any losses in your portfolio will be magnified.

Want a discount on M1 Borrow?

You can receive a discount on M1 Borrow by enrolling in the M1 Plus Membership!

The normal rate for M1 Borrow is the Federal Funds Rate + 2%. However, if you enroll in the M1 Plus membership, you receive a discount of 0.25%. This is effective immediately and will be reflected on the borrow bill. Click here to learn more: Perks of M1 Plus Membership

Using margin involves risks: you can lose more than you deposit, you are subject to a margin call, and interest rates may change. To learn more about the risks associated with margin loans, please see our Margin Disclosure. M1 Borrow available on margin accounts with a balance of at least $10,000. Does not apply to retirement accounts.

What are they?

M1 Expert Pies areprofessionally curated allocations of securities (ETFs or individual stocks) created by the staff at M1 and they can be used for a portion or all of your portfolio. All M1 Expert Piesare based on generallyaccepted investing methodologies. You can locate the Expert Pies in the "Research" tab on M1.

The M1 Expert Pies were created to aid you in the creation of your portfolio. The decision of whether or not to use one is up to you. You can use them as all, part of, or none of your portfolio.

How can they be used?

You can use an expert M1 Pie just like any otherPie on the M1 system. It can be used for a portion, all of, or none of your portfolio.

We do not allow users to make alterations to theM1 Expert Pies.

How are they created?

To determine the best ETFs (Exchange Traded Funds) for M1's Expert Pies, we run a quantitative analysis on all traded ETFs. Our selection model takes into account the fund's cost, volume, size, and tracking error (how well the fund tracks the benchmark it seeks to replicate).

You can read more about how the ETFs are selected and which ETF we select for each index by clicking the attached PDF.

ETF_Methodology.pdf (100 KB)

Updates are made to all Expert Pieson a specified schedule described ineach Pie's description. When M1 makes an update to a Pie, the changes will automatically be made in your portfolio.

Yes, you can roll over your 401(k) into an M1 Finance IRA. Here's how:

First, start by opening an M1 IRA account. You will need to designate your M1 IRA account number to process your 401(k) rollover.

Second, you will need to contact your current 401(k) administrator. Due to industry regulations, we cannot do this for you. Follow the instructions below to have a seamless transition.

- Contact your current 401(k) administrator to tell them you want to initiate a rollover (If youdon'tknow who your administrator is, just check your last statement).

- Instruct your existing 401(k) administrator to make the check payable to Apex Clearing. The check must include your name and IRA account number (your IRA account number can be found by tapping the profile button and heading to Settings > Accounts) in the memo line for us to process it.

- Send the 401(k) rollover check to:

Apex Clearing c/o BPO2 Gateway Center 16th floor283-299 Market St.Newark, NJ 07102-5005

If the 401(k) sends your distribution check to you personally, then you will need to send your distribution check to Apex Clearing Corporation directly at the address above.

If you have any questions regarding therollover process, please contact M1's account team at [email protected] or [email protected].

Your contribution limit depends on your age and earned income. The maximum amount allowed by law that you can contribute to your IRA in 2018 is $5,500 if you are under the age of 50 and $6,500 if you are 50 or older. For 2019, this limit increases to $6,000 if you are under the age of 50 and $7,000 if you are 50 or older.

If your earned income is less than these amounts, the maximum allowable contribution is 100% of your earned income.

There may also be some income limitations to maximum contributions. Check here for more information on maximum contributions: IRS Calculations or contact a tax professional.

A minimum account balance of $100 is necessary to get started on M1. Once the $100 account minimum has been reached, deposits can be any amount above $10. Retirement accounts require an initial investment of $500.

Brokerage accounts:

Individual Brokerage Accounts

A brokerage account is opened through a broker. Through a brokerage account, you can buy and sell stocks, bonds, exchange traded funds and other types of investments.

Joint Brokerage Accounts

You would use a joint account when you want equal ownership over an account. Joint accounts are ideal for couples, parents and their children (over 18 years old) and even adults caring for aging parents.

Retirement Accounts

Traditional, Roth, & SEP IRAs

IRA rollovers

401K Rollover into IRA

If you need help rolling over an existing 401K into an M1 IRA, please contact M1 at [email protected].

If you are looking to transfer an existing IRA into an M1 IRA, you can find IRA transfer instructions here.

Trust Accounts

Trust accounts can be set up in M1 via our paper account opening process. When you select "trust" as your desired account type in our sign up process, we will send you a set of forms that you will need to fill out and return to us. As soon asthe trust account application is processed, you will be able to manage your account onthe platform in the same way you would a typical M1 taxable brokerage account.

Qualifications:

US Citizens and Permanent US Residents (Green Card Holders) over the age of 18 with a current US mailing address can apply to open an M1 Account.

Options:

You can open both an IRA and a general investing account.

Timing:

During normal business hours, your account should be opened almost immediately. Overnight or on the weekends, your account will be opened by the next business day. At times, some accounts are flagged for further review. Those accounts can take up to five business days to open.

Personal Information Disclosed:

FINRA and various federal regulations require us to know our customers, to verify identities to prevent money laundering and the funding of terrorist activities.

Demonstration:

https://support.m1finance.com/hc/en-us/articles/360001313128-M1-Finance-Opening-an-Account

If you are currently employed by a broker dealer you must first get permission to open an account with another broker dealer. During the sign up for M1, you will need to indicate that you are employed by a broker dealer.

M1 is able to establishACH relationships with almost all US retail banks; however, there are a handful of institutions not supported by M1. To see a list of institutions not supported, please see here.

Yes, you can gain access to the M1 platform with just an email and a password. From here you will be allowed to create a portfolio and test the system before having to commit to opening a brokerage account or funding an account.

Welcome to M1! To get started investing, youll first need to create your portfolio.

When you first log in to the M1 app, youll notice your portfolio screen is empty. To start creating your portfolio, tap on the Get Started button.

Portfolio Versus Pie: A Pie is a collection of up to 100 slices where any slice is a stock, ETF, or another Pie. A portfolio is a collection of one or more Pies.

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On Mobile:

our guide

Youll be redirected to our stock and fund screener, where you can search for any stock or ETF that trades on major US exchanges. To see more details, simply tap on the card with the stock youre interested in. Youll be able to see news related to that company, price history, and a profile of that company.

To add a stock or fund to your portfolio, you can either tap on the plus sign on the stock card or the Add to Pie button in the details screen.

Youll also notice a tab called Expert Pies. This is what we call our professionally curated portfolios that are designed to align with multiple time horizons and risk tolerances. To browse our Expert Pies, just tap on the categories youre interested in, and tap on any Expert Pie to see details like the holdings in that Pie, return history, expense ratio, and dividend yield.

To add an Expert Pie to your portfolio, you can either tap on the plus sign on the Expert Pie card or the Add to Pie button in the details screen.

Once youre happy with your selections, tap Done on the top right corner. Youll be redirected to a screen where you can see a pie chart visualization of your portfolio. Each slice represents a security or another Pie. Select target weights for each slice and click Save.

And thats it! You can edit your portfolio any time. You can also create your own Custom Pies of stocks, funds, or other Expert Pies to organize your portfolio as you choose.

The next step in getting started is making your first deposit. Check out our guide for step-by-step directions.

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On Web:

Youll be redirected to our stock and fund screener, where you can search for any stock or ETF that trades on major US exchanges. To see more details, simply click on the stock youre interested in. Youll be able to see news related to that company, price history, and a profile of that company.

To add a stock or fund to your portfolio, you can either check the box next to the stock on the screener or click the Add to Basket button in the details screen. Youll notice your picks get queued up at the bottom of your screen.

Youll also notice a tab called Expert Pies. This is what we call our professionally curated portfolios that are designed to align with multiple time horizons and risk tolerances. To browse our Expert Pies, just click on the categories youre interested in, and click on any Expert Pie to see details like the holdings in that Pie, return history, expense ratio, and dividend yield.

To add an Expert Pie to your portfolio, you can either check the box next to the Expert Pie or click the Add to Basket button in the details screen.

Once youre happy with your selections, tap Add on the bottom of your screen. Youll be redirected to a screen where you can see a pie chart visualization of your portfolio. Each slice represents a security or another Pie. Select target weights for each slice and click Save Changes.

And thats it! You can edit your portfolio any time. You can also create your own Custom Pies of stocks, funds, or other Expert Pies to organize your portfolio as you choose.

The next step in getting started is making your first deposit. Check out for step-by-step directions.

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Setting up recurring deposits takes only a minute, and it allows you to build your wealth automatically.

Follow these steps to get started:

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On Mobile:

Step 1: Navigate to the "Funding" tab of the application

Step 2: Tap on "Deposit"

Step 3: Tap on "Set a schedule," then selectthe amount, date(s), and frequency. Then select "Next"

Step 4: Review your inputs to make sure everything looks correct, then select "Confirm".

After you've confirmed, you should be all set!

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On Web:

Step 1: Click on the "Deposit" button on the main screen.

Alternate: Navigate to the "Funding" link in the Invest menu of the application. Click on the "Deposit" button.

Step 2: Click on the "Set a schedule" button. Select your amount, frequency and day of the week.

Step 3: Click "Continue" and then "Confirm."

After you've confirmed your schedule, you should be all set!

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Check out this short introductory video to learn more about building your M1 portfolio, navigating your account, and connecting your bank account.

M1 is currently running a promotion for referring others to the platform

M1 Referrals: Give $10, Get $10

How it works

In order to be eligible, your M1 account must be funded.

To refer your friends:

Open Dashboard (mobile) or click on your name (web)

Click Refer & Earn (this will only be visible if your account is funded)

Sign up

Choose your Payment Account

Share your unique referral link with friends

You can return to the referrals page after signing up to locate your unique referral link.

To be referred:

Create an account using your friend's unique referral link

Fund your account within 90 days of signing up

If you opened retirement account, you must also open a non-retirement account to receive your referral credit.

How to get paid

You will receive a $10 referral bonus in your Payment Account within 14 days of your friend signing up and funding their M1 account.

Once the referral qualifications are met, you will see your $10 promotion underSettings > Promotions. You may see this before the credit has been applied.

Once credited, you will see a $10Promotional Creditin Activity.

Payment Accounts

Referrals and other promotional credits are deposited into your designated "Payment Account". A Payment Account must be an individual or joint taxable brokerage account (funding not required). A Payment Accountcannotbe a retirement account.Both you and anyone you refer will be required to have an open brokerage account to receive referral credits.

You can change you Payment Account at any time from Settings > Payment.

Without a valid payment account you will not be able to receive referral credits.

Terms and Conditions

Important Terms & Conditions

The offer is valid only for new brokerage or IRA accounts with M1. Please send invitations only to people you know personally and who will be glad to get them. To qualify for the bonus, referred family and friends must make an initial deposit of $100 for taxable accounts and $500 for IRAs, within 90 days of signup and not withdraw that initial deposit for 90 days.

Your participation in the M1 Referral Program is subject to the following terms and conditions

Through the M1 Referral Program you will invite family and friends to sign-up for an M1 account by sending them an invitation with a provided link and disclosure, and your efforts in soliciting clients to M1 will be limited to this activity.

For each "Qualifying New Account" M1 will pay you$10to your M1 account. A "Qualifying New Account" is a new, individual M1 account opened by your referee, using the special designated link from your invitation, which your referee funds with an initial minimum deposit ($100 for taxable accounts or $500 for IRA accounts) and does not withdraw that initial deposit for 90 days. M1 is not responsible for incorrect entry or other failure on the part of your referees to meet standards of a Qualifying New Account.

This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. Residents only. M1 reserves the right to terminate this offer at any time, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if M1 determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the M1 Terms of Use or Account Agreement have been violated. In referring friends to open an M1 account you are acting on behalf of M1 and under the supervision and control of M1. You agree to limit the information you provide in connection with the referral to the link and disclosure provided by M1.

You agree that your participation in the M1 Referral Program will conform to the terms contained herein as well as the provisions of the Investment Advisers Act of 1940, 15 U.S.C. 80b-1, and the rules thereunder. You hereby represent that: (1) you are not subject to any statutory disqualification set forth in Sections 203(e) and 203(f) of the Investment Advisors Act (or any amended or replacement regulatory provision(s)); (2) you are not currently the subject of any investigation or proceeding which could result in statutory disqualification; and (3) you do not have a "place of business" at which you regularly provide investment advisory services, solicit, meet with, or otherwise communicate with clients, or any other location that is held out to the general public as a location at which you provide investment advisory services, solicit, meet with, or otherwise communicate with clients in any U.S. state. If you cannot accurately make the preceding representations, you may not participate in the M1 Referral Program. If you are currently participating in the Referral Program and the preceding representations become inaccurate, you agree to immediately inform M1 [email protected].

The 'Funding History' tab represents your past deposits and withdrawals in each year your account has been active.

IRA Funding History:

Your IRA Funding History represents your contributions during a given year compared to the maximum allotment specified in official IRS guidelines. Some users (over 50 years of age, etc) may have different limits that will not be reflected by this tool.

Wire transfers, account transfers, and rollover checks are not included in this tool.

Taxable Accounts Funding History:

Funding History in Taxable Accounts represents your past deposits and withdrawals for a given year.

Please note that this only includes ACH deposits and withdrawals, including any funds withdrawn via M1 Borrow. Wire transfers, account transfers, and rollover checks are not included in these charts.

To View On Mobile:

From the 'Invest' tab, click the menu button in the top right corner. This should open the side bar.

Select 'Funding History' to view the graph.

To view on the Web:

Make sure you are on the 'Invest' tab.

Click on 'Funding History' from the options below.

There are a few actions that will cause yourM1 account to sell:

Removing a slice from your Pie will cause the security/pie to be liquidated and the proceeds reinvested.

Rebalancing

Withdrawing from your account or Liquidating your account

Making changes totargets in your portfolio will not cause your account to trade.

Submitting a sell order

For more information on how we trade, please view "How We Trade" document below.

You may be eligible to up to 3 different tax documents as a customer of M1 Finance. Below is the purpose of each document and how to determine if you are eligible.

Tax Form 1099-R

You are eligible if you have one of the following accounts:

Traditional

Roth

SEP

AND you made distributions to your IRA in the last year.

Document will be released January 31st, 2019.

Tax form Consolidated 1099

You are eligible if you have one of the following account types:

Individual

Joint

Trust

LLC

Corp

Partnership

Custodial

AND you had a taxable event in the last year.

Document will be released February 15th, 2019.

Tax Form 5498

You are eligible if you have one of the following accounts:

Traditional

Roth

SEP

AND you made contributions to your IRA in the last year.

Document will be released May 31st, 2019 for contributions made up to the April 15th deadline.

If you still have any questions on what tax documents you receive, don't hesitate to reach out to [email protected]

To change the email address associated with your M1 Finance account please contact our support team by phone.

For security purposes, we do not allow users to change email addresses online.

Our Support phone number is 312-600-2883. Feel free to contact us on days when the U.S. market is trading between 9:30am - 5pm ET.

As a steward of your money, M1 Finance takes security seriously. But there are a few steps youll want to take to protect yourself and keep your credentials safe:

Password

Use complicated, long passwords that contain many words and symbols.

Make sure your password contains no personal information, including names or birthdays.

Do not use the same password you use on another website especially your email password.

Never share your password.

Utilize a password manager.

Two-factor authentication

Two factor authentication provides an extra layer of protection by requiring any person accessing your M1account to also have access to your mobile phone.

To enable two factor authentication go to Settings > Security.

Turn on notifications

Utilize our mobile application to receive notifications about changes to your account. The app is available in the App Store or Google Play Store.

Turn on your mobile notifications so you receive all notifications. If any account updates or changes happen without your knowledge, please let us know immediately at [email protected] or 888-714-6674.

Read your emails

When changes are made to your account, you will receive confirmation via email. If any of these updates happen without your knowledge, please let us know immediately at [email protected] or 312-600-2883.

Check your account

On a weekly basis, check in on your account to ensure no activity was created without your authorization. Review monthly statements for any possible inaccuracies.

If you did not properly answer the questions during sign up correctly, you will be required to submit identification verification documents. You will receive an email from M1 with additional instructions. Please send a copy of your driver's license and recent utility bill to [email protected].

InvestmentPerformance

Investment performance is the growth rate of your investments during a specified time period expressed as a percentage change from initial purchase. For return, M1 calculates performance of your investment portfolio using a money-weighted methodology. Money-weighted return takes into account all individual cash flows in and out of a portfolio. Money-weighted return is most useful in measuring the actual performance of your individual portfolio and will most accurately track your actual gains and losses because it takes into account your buys, sells, and dividends.

Money-Weighted Return Calculation

Account and Routing Number:

Routing Number: 073923033

Bank Account Number:

To find your account number, head to the Spend > Direct Deposit in your app or on desktop. You will see your routing and bank account number and the status of your account. Note that you will be easily be able to copy and both numbers on mobile to easily set up direct deposit!

Joint Accounts: Currently, joint accounts are not supported. If you have a joint M1 Invest taxable account already and want to enroll in M1 Spend, the primary on the account will be the account holder for the bank account.

Monthly Statements: Statements are generated on the second calendar day of the month and will be available within the first 10 days of the month. You will receive an email once your statement is available. You will be able to review all statements here.

To find your monthly statements, click on the silhouette in the top-right corner of the screen. Scroll down to select 'Documents' (under settings). Then, check the box next to 'Statements' to view all available monthly statements.

Daily Spend Limits (On Debit Card): The daily spend limit is $1010. The maximum daily ATM withdraw limit is $510.

Daily ACH Limit: The daily ACH limit is $10,000.

Who is Lincoln Savings Bank: M1 Spend checking account furnished by Lincoln Savings Bank, Member FDIC. M1 Spend Visa Debit card issued by LSB, Member FDIC.

To wire money into M1use the following instructions:

Bank Name:BMO Harris Bank

Bank Address:111 W. Monroe St.,Chicago, IL 60603

ABA:071000288

Account Name:Apex Clearing

Account #:3713286

Memo: "Your Name" and "Account Number"

Note: Your name should match your name on your M1 account exactly.

Your M1 account number will start with 5Q and can be located in Settings.

If you need further help, please contact M1 Support.

Custom Pies

Custom Pies are collections of stocks, ETFs, or other Pies that empower you to further organize and manage your investment portfolio.

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On Mobile:

Creating your Custom Pie

Navigate to the menu in the Research tab and click on My Pies. From there, click the plus sign on the top right to add a new Custom Pie. Choose from more than 6,200 stocks and exchange traded funds (ETFs) to create a Custom Pie using the Pie creation tool.

How M1 Trades

Adding your Custom Pie

Once you create your Custom Pie, it is not immediately incorporated in your portfolio. It lives in the My Pie section of the app, where you can create and experiment with new Custom Pies before theyare funded. To invest in your Custom Pie, you will need to add it to your overall portfolio. To do this, navigate to the portfolio screen and click on the plus sign on the bottom right corner. Click the "Edit Pie" button, and then click the teal plus sign button next to your Pie. Tap "My Pies" on the top row and choose the Custom Pie you wish to add to your portfolio. Then, just set the target weight of your Custom Pie and tap save!

Initial Funding

Once your Custom Pie is added to your overall portfolio, it will be included in all future trading events. For more information on how the M1 Automated Trading System works please read: How M1 Trades

What if I don't want to adda Custom Pie to my portfolio?

Some people don't want to add a newly created Custom Pie to their current portfolio or they want to manage their cash movements separately with their new Custom Pie. To accomplish this, create a new account/portfolio under your single M1 login. To create a new account, open the Invest menu, click "Add Account," and go through the add account flow. Once you've created your new account, you can now add your Custom Pie to this portfolio and manage it completely separately from your original portfolio.

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On Web:

Creating your Custom Pie

Choose from more than 6,200 stock and exchange traded funds (ETFs) to create a Custom Pie, using the Pie creation tool. To create a new Custom Pie, navigate to the Research tab, click on "My Pies" and click on the "Create new Pie" button.

Adding your Custom Pie to your portfolio

Once you create your Custom Pie, it is not immediately incorporated in your portfolio. It lives in the My Pies section of the app, where you can create and experiment with new Custom Pies before theyare funded. To invest in your Custom Pie, you will need to add it to your overall portfolio. To do this, just click on the "Add to Portfolio" link in your My Pies screen. Alternately, you can click the "Edit" button on your Portfolio screen and add your new Custom Pie from there.

Initial Funding

Once you have added your Custom Pie to your portfolio, it will be included in all future trading events. For more information on how the M1 Automated Trading System works please read: .

What if I don't want to adda Custom Pie to my portfolio?

Some people don't want to add a newly created Custom Pie to their current portfolio or they want to manage their cash movements separately with their new Custom Pie. To accomplish this, create a new account/portfolio under your single M1 login. To create a new account, click on your account under your name in the dashboard and go through the add account flow. Once you've created your new account, you can now add your Custom Pie to this portfolio and manage it completely separately from your original portfolio.

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To request your debit card, log into the app or on desktop and click Spend > Debit Card. You will see a screen that says Request Card. In the next screen, you will have to verify your address. Make sure that your address is correct so we send your card to the right place! If you need to update your address, you will see a link at the bottom to contact support.

Heads up! - You will receive your card in 1-2 weeks! - Currently M1 does not send out multiple cards, you can only have one card per account.

To activate your debit card, login to your M1 account and click on Spend Debit Card. Select "Activate Debit Card" and enter the last four digits.

You will receive an email once your card has been activated successfully.

If you want to create or update your pin, log into the M1 app or desktop and select the Spend > Debit Card. You will be brought to a screen with an option to Change PIN. Click that and you will be able input a four (4) digit code to use. Please note that the new PIN can take up to 24 hours to take effect.

Note if you already created a PIN, you will not have to verify the old code to input a new one.