A guide to how long deposits, withdrawals, and internal transfers take to process at M1, including key requirements and what to expect for each account type. Use these expected timelines to help plan your transfers.
Deposits
External bank account to M1 Invest account
Transfers from your external bank to an M1 Invest account typically complete within 1 business day.
External bank account to M1 High-Yield Savings or High-Yield Cash Account
Transfers can take up to 4 business days.
Funds will stay pending in your Savings or Cash Account for 3 business days before becoming available.
To view availability, go to your Savings or Cash Account and select the recent transfer.
External bank account to Crypto account
Up to $5,000 of your deposit is immediately available to use in your Crypto Account. The remaining balance becomes available once your full transfer settles.
External bank account to M1 Personal Loan
Payments usually display as completed within 2–5 business days.
Settlement period, holding period, and AML regulations
Withdrawals, Margin Loan transfers, and internal transfers involving M1 investment accounts are subject to the following:
Settlement period
Before funds can be withdrawn, all sales must settle. Settlement occurs on T+1 (trade date plus one trading day).
Example: If you sell securities on Friday, settlement is typically completed on the following Monday.
Holding period
New deposits to M1 Invest require a 6-business-day holding period before they can be withdrawn to an external bank.
Example: Deposit $500 on Monday; withdrawal is available beginning the following Tuesday.
Note: Incoming ACAT transfers to M1 Invest require a 15-business-day holding period before external withdrawal or moving to an M1 High-Yield account.
Anti-Money Laundering (AML) regulations
For 60 days after receipt, funds can only be returned to the same bank they came from. Funds cannot be sent to a different bank during this period.
Withdrawable cash
What Is withdrawable cash?
Withdrawable cash is the amount in your M1 Invest account that is currently available for withdrawal or transfer without waiting for new deposits to settle or for securities to sell.
Withdrawals up to this amount generally arrive in an external bank account within 1–2 business days.
Transfers to another M1 account usually complete within minutes.
Can I transfer more than my withdrawable cash?
Yes; however, transfers exceeding your withdrawable cash may require deposit settlements or securities to be sold.
These transfers can take up to 5–7 business days to complete.
Withdrawals
M1 Invest account to external bank
Up to your withdrawable cash: 1–2 business days.
Over your withdrawable cash: may require sales/settlements, up to 5–7 business days.
M1 High-Yield Savings or Cash account to external bank
1–2 business days after funds are available; can take up to 6 business days.
After M1 completes your withdrawal request, it can take up to 1 business day for the funds to arrive in your bank account.
Crypto account to external bank
This can take 2–5 business days after settlement (see Settlement Period above).
After M1 completes your withdrawal request, it can take up to 1 business day for the funds to arrive in your bank account.
M1 Margin Loan to external bank
Borrowed funds typically arrive within 2–5 business days (subject to the same settlement, holding, and AML periods).
M1 Personal Loan disbursements
M1 Personal Loan disbursements can take 1-5 business days to complete.
Internal transfers
M1 Invest account to M1 Margin Loan
If not exceeding withdrawable cash: within minutes.
If exceeding withdrawable cash (including liquidating the full account): up to 5–7 business days.
M1 Invest account to M1 High-Yield Savings or Cash Account
If not exceeding withdrawable cash: within minutes.
If exceeding: up to 5–7 business days (subject to settlement, holding, and AML rules).
M1 High-Yield Savings/Cash Account to M1 Invest account
Transferring funds from M1 Savings or Cash Account to an M1 investment account occurs almost instantly.
M1 Margin Loan to M1 Invest account
Investing borrowed funds in the same Invest account: order processes in your next trading window.
Example: Borrow $500 in your Individual Brokerage Account; once you place a buy order, it invests during the next window.
Transferring borrowed funds to a different Invest account: 2–5 business days, subject to all settlement and holding periods.
M1 Margin Loan to M1 High-Yield Savings or Cash Account
Usually completes within 2–5 business days and follows all settlement and AML guidelines.
Pending transfers
You can only have one pending transfer per account at a time.
Wait until your current transfer is complete (or canceled) before starting a new one.
Multiple simultaneous transfers may result in delays.
How to cancel a pending transfer:
Go to the Home screen
Select All transfers
Choose your pending transfer and cancel
Note: Cancellations are processed on a best-efforts basis. If a transfer is too far along, you may not be able to cancel it.
Trading days and holidays
Trading days
M1’s morning trade window opens at approximately 9:30am ET on NYSE trading days.
Afternoon trade window begins at approximately 3:00pm ET.
To learn more, see How do trade windows work?
Holidays
Market 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.
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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