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Home Bank Promotions

M1 Finance Checking Account Earns 3.30% APY – Ended

Tony Jay by Tony Jay
February 17, 2024 2:12 am CST
in Bank Promotions, Banking
0
Earn a $300 cash bonus with BlueVine!
chase-total-checking-banner-300-2024

M1 will be closing M1 Checking Account. Interest on these accounts has dropped to 0% APY. M1 Spend Visa® debit cards will expire on October 31, 2023.

The high-yield checking account from M1 Finance earns a good rate and is available with their M1 Plus plan.

  • Update 10/27/2023: M1 will be closing M1 Checking Accounts. Interest on these accounts has dropped to 0% APY. M1 Spend Visa® debit cards will expire on October 31, 2023.
  • Update 10/13/2023: This offer has ended.
  • Update 6/25/2023: M1 is currently no longer opening checking accounts. All existing M1 Checking accounts will be closed on October 31st, 2023. Get more details here.
  • Update 12/22/2022: Rate has updated from 3.00% APY to 3.30% APY.

READ MORE: SEE ALL THE BEST PROMOTIONS FROM M1 FINANCE HERE

M1 Checking with M1 Plus

  • 3.30% APY. With 75x the national average APY, you’ll potentially earn more in two weeks than in a full year with a big bank.
  • 1% cash back. Get a little back on eligible purchases made with your M1 Spend Visa® debit card.
  • Send checks. Schedule one-time or recurring paper checks from the M1 app.
  • Early direct deposit. Get your paycheck up to two days early.

If you don’t sign up for M1 Plus then the checking account won’t earn any interest.

M1 Plus is an annual membership that gives you more options when you Invest, Borrow, and Spend. The first three months are free.

Your free trial begins the date you enroll in the M1 Plus subscription, and ends 90 days after (Free Trial). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $95 unless you cancel under your Membership details in the M1 Platform.

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TRENDING DEAL:

▶ GET A $300 CASH BONUS FOR A NEW CHECKING ACCOUNT WITH CHASE

chase small square logo

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Terms

  • No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.
  • M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 is not a bank. M1 Checking Accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.
  • Debit card purchases are when the card is swiped, or its 16-digit number is entered online. Any fund transfers, including via card transactions such as P2P or third party processors, are not eligible for cash back.
  • Early Direct Deposit is dependent on your payroll provider.

READ MORE: GET CASH, PRIZES AND MORE WITH THESE REFERRAL DEALS

Bottom Line

M1 Finance offers a lot of services – brokerage, checking, savings, loans, crypto. You can still use the M1 Checking account without earning any interest if you don’t want to sign up for M1 Plus.

More from M1 Finance:

  • M1 Brokerage Transfer Bonus: How to Earn Up to $25,000 Cash Reward
  • Best M1 Finance Bonuses: $250 to $20,000 Offers 2024
  • M1 Finance Owner’s Rewards Card: Get Up To 10% Cash Back
  • M1 Finance Crypto Up To $200 Bonus Offer – Ended
  • M1 Finance: Investment Account Up To $1,500 Bonus For Recurring Deposits – Ended
  • [No Longer Accepting New Accounts] M1 Finance High-Yield Savings Account Earns 5.00% APY For M1 Plus Members
  • M1 Finance Offer: Get $75 off M1 Plus, Pay $50 For 1 Year – Ended

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Interactive Brokers Logo Click here to see why Interactive Brokers is the #1 brokerage for serious investors!

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Tony Jay

Tony Jay

Hey there! I'm Tony, a personal finance enthusiast.

If you're looking to maximize your savings, I've got you covered. From exclusive banking promotions and investing bonuses, to exciting credit card offers, I'll keep you in the loop on the hottest deals in town.

Join me here at MoneysMyLife and let's embark on this adventure together. Contact me here.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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