Get key information and guidance on using your M1 High-Yield Savings Account.
This article covers how to locate your account and routing numbers, access electronic statements, understand FDIC insurance and daily ACH limits, learn how interest is credited, review account fees and restrictions, and manage your account features with confidence.
Current availability
As of now, M1 High-Yield Savings Accounts may have paused availability to new applicants. Existing account holders, however, can continue to fully access and manage their accounts.
Locating your account and routing numbers
Routing number
The routing number for M1 High-Yield Savings Accounts is 091218445.
Finding your account number
Log in to your M1 account via web or mobile app.
Navigate to your High-Yield Savings Account dashboard.
Select Account Details
Your full account number and routing number will be displayed.
Accessing statements
Electronic statements for your M1 High-Yield Savings Account are released within the first 10 calendar days of each month. You’ll receive an email notification when your new statement becomes available.
To review your statements
Log in to your M1 account.
Go to the Settings
Select the Documents tab.
Confirm that “Statements” is selected.
Select the statement labeled as "M1 High-Yield Savings" from the list to view or download.
Interest rates and how interest is credited
Interest rate: The interest rate (“APY”) for your account is available on your account dashboard and in the M1 app. Rates may change over time in response to market conditions.
How interest is credited: Interest is compounded daily and credited to your account monthly at the end of each statement cycle. You can track earned interest on each monthly statement and your account summary.
FDIC Insurance Coverage
M1 High-Yield Savings Accounts are furnished by B2 Bank. B2 Bank utilizes a deposit network that allows customers to hold more than $250,000 and have those funds remain FDIC-insured up to $5 million
Daily ACH transfer limits and withdrawal methods
Daily ACH transfer limit:
You may transfer up to $120,000 per day via ACH from your M1 High-Yield Savings Account.
Withdrawal methods:
You can move money by initiating a withdrawal or transfer in the M1 app or website interface.
Transfers can be made to your linked external bank account.
All withdrawal requests are subject to M1’s security review and processing times.
About B2 Bank National Association
B2 Bank, N.A., Member FDIC, is the nationally chartered partner bank behind M1 High-Yield Savings Accounts. The bank is a regulated institution and provides deposit insurance and account servicing for M1 savings products.
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.
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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