This can take up to 1 business day.

This can take up to 4 business days.

Funds transferred into your Savings Account or Cash Account will stay pending for 3 business days before they are made available.

You can see when your funds will be available by navigating to your Savings Account or Cash Account and selecting the recent transfer.

You'll be immediately granted up to $5,000 of your pending deposit. The remainder will be credited to buying power when the transfer settles.

Payments to M1 Personal Loans take up to 2-5 business to display as completed.

Settlement period: Before any funds can be disbursed to a client, all sales must settle. Settlement occurs on T+1 (trade date plus one trading day).Example: A withdrawal is requested on Thursday. Securities are sold on Friday and will generally settle on the following Monday.

Holding period: All new deposits to M1 Invest require a 6-business-day holding period before they can be withdrawn to any external bank. 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 of $100 after this will be held until Tuesday, the 9th, before the transfer to your bank begins.

All incoming ACAT transfers to M1 Invest require a 15-business-day holding period before they can be withdrawn to an external bank or transferred to an M1 High-Yield account. After 15 business days, the transfer 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 than from where they originated.

Withdrawable cash is the amount of money in an M1 investment account that is immediately transferrable without waiting for funds to settle or sells to process. When withdrawing up to this amount, you can expect the transferred funds to arrive in an external bank account in 1-2 business days or in another M1 account in minutes.

Yes.

Transfers from M1 investment accounts greater than your withdrawable cash take up to 5-7 business days to complete. This allows time for any pending deposits to settle or for M1 to automatically sell off holdings to fulfill the transfer amount.

When withdrawing an amount that does not exceed your withdrawable cash amount, funds usually arrive to external accounts in 1-2 business days.

Withdrawals greater than your withdrawable cash amount (including liquidations for your entire account’s value) require either recent deposits to settle or holdings to be sold. These transfers may take up to 5-7 business days to arrive in external accounts.

This takes between 1-2 business days from when your funds are available, or up to 6 business days.

Once the withdrawal request is completed in M1's system, it can take up to 1 business day for the funds to arrive in your bank account.

This can take 2-5 business days. Funds will need to settle (see settlement period above) before the transfer can be initiated to your external bank account.

Once the withdrawal request is completed in M1's system, it can take up to 1 business day for the funds to arrive in your bank account.

Borrowed funds usually arrive to your external bank account within 2-5 business days and are subject to the settlement period, holding period, and AML regulation described above.

M1 Personal Loan disbursements can take 1-5 business days to complete.

Internal transfers from an M1 investment account that do not exceed your withdrawable cash amount usually arrive within minutes to your M1 Margin Loan.

Internal transfers from an M1 investment account that exceed your withdrawable cash amount (Including liquidations for your entire account’s value) require either recent deposits to settle or holdings to be sold. These transfers may take up to 5-7 business days to arrive to your Margin Loan.

Internal transfers from an M1 investment account that do not exceed your withdrawable cash amount usually arrive within minutes to your M1 High-Yield Savings Account or M1 High-Yield Cash Account.

Internal transfers from an M1 investment account that exceed your withdrawable cash amount (Including liquidations for your entire account’s value) require either recent deposits to settle or holdings to be sold. These transfers may take up to 5-7 business days to arrive to your Margin Loan. These funds are subject to the settlement period, holding period, and AML regulation described above.

Transferring funds from M1 Savings or Cash Account to an M1 investment account occurs almost instantly.

When you borrow on margin and invest it in the same investment account, the trade will go through during your next trading window.

Example: You’re using a $500 line of credit in your Individual Brokerage Account and want to invest that $500 into that same account. Once you place a manual buy order, it will be invested during the next trading window.

When you borrow against one M1 investment account and transfer those funds to a different M1 investment account, standard withdrawal timing applies. This usually completes within 2-5 business days and is subject to the settlement period, holding period, and AML regulation described above.

Example: You’re using a $500 line of credit in your M1 Individual Brokerage Account –ABC and want to invest that $500 into your M1 Joint Brokerage Account -XYZ. Once you place a manual buy order, it will be invested during your next trading window (subject to settlement period, holding period, and AML regulation).

This usually completes within 2-5 business days and is subject to the settlement period, holding
period, and AML regulation described above.

Pending transfers: M1 allows one pending transfer per account at a time. Once your transfer has been completed or, if possible, cancelled, you can initiate a new transfer request. Initiating more than one transfer at a time in the same account may cause a delay.

To cancel your pending transfer:

Please note: Your pending transfer will be cancelled on a best efforts basis. If your transfer is too far along in the process, you will not be able to cancel.

Trading days:

See our article on how trade windows work for more information.

Holidays: Market holidays and banking holidays do not count as business days.

M1 is not a bank. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc. M1 High-Yield Savings Accounts are furnished by B2 Bank, NA, Member FDIC.

M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.

Participate in both trade windows when you have $25,000 or more equity to comply with pattern-day trading regulations.

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