How do I create a wire transfer? 


Wire money into M1 Invest Account

To wire money into your M1 Invest Account use the following instructions:   

If your M1 Invest Account number begins in GM:

Bank name: JP Morgan Chase

Bank address: 270 Park Avenue, New York, NY 10017

ABA: 021000021 

Account name: M1 Finance LLC   

Account number: 919705233

Memo: "Your Name" and "Account Number"


If your M1 Invest Account number does not begin in GM:

Bank name: BMO Harris Bank   

Bank address: 111 W. Monroe St., Chicago, IL 60603   

ABA: 071000288   

Account name: Apex Clearing   

Account number: 3713286   

Memo: "Your Name" and "Account Number"   


Additional tips  

  • Make sure your name should exactly match your name on your M1 account.   
  • Your M1 account number can be located in your settings.   

If you need further help, please contact us. 


Wire money from M1 Invest Account

To get started, please contact us and confirm the following information:    

  • The last 3 digit of the delivering M1 Invest Account
  • Amount of transfer    
  • Receiving account number    
  • Receiving account routing number    
  • Reason for initiating a wire transfer   

Additional instructions  

  • To wire funds to an outside account that isn’t currently connected with your M1 Invest Account, please provide a signed Letter of Acceptance from the receiving firm.    
  • Funds must be settled to be transferred.   
  • All new deposits to M1 Invest Account require a six-business day holding period before they can be withdrawn. After six business days, the transfer to your bank begins.   
  • For example, if you deposit $10,000 into your account on Monday the 1st, a wire for $7,000 will be held until Tuesday the 9th before the transfer to your bank begins.   
  • If your funds are settled and your holding period is complete, a member of our Transfers team will attempt to initiate the wire the same day on a best-efforts basis, provided we received the request with necessary info by 12 pm CST. Please note we can’t guarantee that your wire transfer will be completed the same day. Wires from M1 Invest may take up to five business days to complete.

There is a $25 fee to complete an outgoing wire transfer.  


Wire money into M1 Checking Account

To wire money into your M1 Checking Account use the following instructions:   

Bank name: Lincoln Savings Bank 

Bank address: 508 Main St., Reinbeck, IA 50669 

ABA: 073905527   

Account name: M1 Finance 

Account number: 3000907953   

Memo: "Your First and Last Name" and "Customer Account Number"   

Additional tips  

  • The beneficiary account (3000907953) is not and should not be put in as your customer account number.  
  • Your customer account number can be found on the M1 app/website under the Spend tab > Navigate to your debit card > click on direct deposit > your customer account number will be listed there 

If you’re unable to complete an ACH transfer or have a larger amount that needs to be transferred, we'll be able to process this as a wire transfer.    


Wire money from M1 Checking Account

To get started, please fill out a wire form using this link: and contact us.

On the wire form, you will be asked to confirm the following information:

  • Wire amount
  • Reason for wire transfer
  • Receiving institution’s wire instructions
  • Upload a photo of your non-expired government-issued photo ID

Once all information is received, our Spend wire team will escalate this for review.

Wire transfers can be processed on the same business day, provided that all customer requirements are met. Also, our cut-off for processing Spend wires the same day is 2pm.

There is a $25 fee per wire for outgoing wire transfers.

Acceptable Wire Reasons Include:

  • Any type of Asset Purchase
  • Transfer to connected external bank

Any other reason will be reviewed, may take longer to be submitted, and could be rejected.


If you have further questions, please contact us. 



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