To start investing with M1, you’ll need to fund your new account by making a deposit. This article explains how to make your first deposit, what to expect next, and how to resolve common issues.
Highlights:
Minimum deposit amounts vary by account type
Steps for depositing on Web, iOS, and Android
What happens to your funds after deposit
Processing timelines and limits
Troubleshooting tips
Initial deposit minimums
Individual, Joint, Custodial, and Crypto accounts: $100 minimum initial deposit
Traditional IRA, Roth IRA, SEP IRA: $500 minimum initial deposit
Trust accounts: $5,000 minimum initial deposit
Note: After your first deposit, you can make additional deposits of $10 or more.
Deposit limits
Maximum deposit per day for M1 Invest: $50,000 via ACH transfer
Higher deposit amounts are possible via Wire Transfers.
How to make your first deposit
Web:
Log in to your M1 account.
Click the Home tab
Select Move Money
Choose One-time transfer
Under "From," select your connected bank account
Under "To," select your M1 account
Enter the amount
Review your transfer details
Confirm the transfer
iOS and Android App:
Open the M1 app
Tap the Move Money icon at the bottom
Select Deposit
Choose your bank account
Select your M1 account
Enter the amount
Review and confirm
Note: Your bank must be connected to M1 before making a deposit. Learn how to manage your external bank if you haven't already.
Processing times and fund settlement
ACH Deposits: Typically takes 1 business day to appear in your account, depending on your bank’s processing time.
Funds Availability: The cash buying power from the deposit will typically be available before the next trade window.
Auto-invest
Auto-Invest On: By default, M1 will automatically invest your funds according to your portfolio (Pie) selections after your deposit settles.
Auto-Invest Off: Your cash will remain uninvested until you place a manual buy order.
Tip: If you want your funds to remain in cash, make sure to turn off Auto-Invest before making your deposit.
Setting up recurring deposits
Navigate to Move Money on web or app
Select Recurring Transfer
Set your bank, destination M1 account, amount, and frequency
Review and confirm
Brokerage accounts on the M1 platform are either fully disclosed to APEX Clearing or cleared through M1 Finance LLC. Please look at your account statement to determine how your account is cleared.
All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using margin can add to these risks. Users utilizing APEX cleared margin accounts should review the APEX margin account risk disclosure before borrowing. Users utilizing M1 cleared margin accounts should review the M1 margin account risk disclosure before borrowing. M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not available for Retirement or Custodial accounts. Margin rates may vary.
Brokerage products and services are offered by M1 Finance LLC, Member FINRA / SIPC, and a wholly owned subsidiary of M1 Holdings, Inc.
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.
SAIF-08212025-fvvf7p9y