Opening my High-Yield Cash Account

Those who are currently eligible to open M1 High-Yield Cash Accounts can do so by:

  1. Navigate to the Earn tab
  2. Select “Add an account”
  3. Here you can pick between an Individual Cash Account or a Joint Cash Account

If you do not have an open M1 Investment Account at the time of opening an M1 High-Yield Cash Account, one will be opened on your behalf.

If you select a Joint Cash Account, an invite will be sent to the second individual.

The invited individual can accept their Joint Cash Account invitation by following the instructions provided via email and on the Home screen of their account or in their Earn tab.

Invitations that aren’t accepted within 30 days will be cancelled. Either party can cancel the Joint Cash Account prior to the invitation being accepted by contacting us.


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.



M1 disclosures here.

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