Easily automate your financial routine by setting up recurring transfers between your accounts on M1. This guide covers how to create, view, edit, pause, and cancel recurring transfers—plus details about limits, schedules, and troubleshooting.
About recurring transfers
Recurring transfers let you schedule automatic money movements between your linked external bank account(s) and your M1 Invest or M1 Earn accounts. You can set up to 5 recurring transfers per week, Choose the amount, frequency, and day(s), and let M1 do the rest.
Other transfer types available: One-time transfers, Smart Transfers, wires, and direct deposits.
Setting up a recurring transfer
On Web and Mobile:
From the Home screen, select Move Money.
Choose Recurring Transfer.
Enter the transfer amount.
Select the account “from” and “to”.
Set the frequency (see options below) and the day(s) of the week.
Review your details and select Confirm.
Frequency options
Once: A one time transfer
Weekly: Once a week on your chosen day.
Every 2 Weeks: Every two weeks on your chosen day.
Monthly: Once a month on your chosen date.
Viewing your recurring transfers
On the Home screen, select Recurring under the Transfers section (both web and app).
Additionally, you can select Move Money > Manage Existing Transfers
Here, you’ll see all active and scheduled recurring transfers, along with their amounts and next execution date.
Editing a recurring transfer
Mobile and Web:
On the Home tab, Scroll down to the Transfers section
Select Recurring.
Tap the transfer you want to edit.
Tap Edit and change the amount, schedule, or frequency as needed.
Save your changes.
Pausing or canceling a recurring transfer
Web
On the Home tab, Scroll down to the Transfers section
Select Recurring.
Select the transfer you want to edit.
To pause, toggle Enable schedule off.
To cancel, select Delete.
Mobile
On the Home tab, Scroll down to the Transfers section
Select Recurring.
Tap the transfer you want to edit.
Select Edit in the top-right.
To pause, tap Pause Schedule.
To cancel, tap Edit and then select Delete.
Note: Paused transfers can be resumed at any time. Cancelling removes the transfer entirely.
Transfer limits
Minimum amount: $10 per transfer
Maximum amount: Transfer maximums may depend on your account type, banking relationship, or M1 account status. For most users, the maximum is $50,000 per day, but this may vary.
Quantity: Up to 5 recurring transfers can be scheduled per week.
Processing timelines
Recurring transfers are initiated using ACH on your selected day.
Standard ACH deposits and withdrawals generally take 1–2 business days to complete, though actual times may vary by your external banking institution.
Transfers scheduled on weekends or bank holidays will begin processing on the next available business day.
Troubleshooting common issues
Transfer did not process:
Ensure sufficient balance in your external account.
Confirm your external account is still properly linked.
Double-check your transfer schedule and status (paused, cancelled, or upcoming).
Cannot edit transfer on web:
Editing recurring transfers (amount, schedule) must be done in the mobile app.
Transfer appears as 'pending':
ACH transfers may be in process for 1–2 business days after initiation.
Check transaction status in your Activity feed.
Exceeded transfer maximums:
You may be limited by daily, weekly, or per-transfer maximums; try a lower amount or revisit limits in your account.
Recurring transfer options are missing:
Ensure your app is updated to the latest version and your accounts are in good standing.
If you continue to have trouble, contact M1 Client Success.
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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