M1 Spend checking account details

Your Account and Routing Numbers

The routing number for your M1 Spend account is 073923033

To find your account number, navigate to Spend > Direct Deposit where you will see your account number, along with the status of your account.


Accessing Statements

Statements will be available within the first 10 calendar days of the month. You will receive an email from M1 when your statement is available. To review your statements, follow the directions below:


  1. Tap the avatar icon in the top right corner of the screen
  2. Under Settings, tap “Documents”
  3. Make sure “Statements” is selected
  4. Select the statement from the list marked as M1 Spend

M1 Finance account screen showing statements under documents tab


  1. Click your name in the top right corner of the screen
  2. Click “View Account Settings”
  3. Click “Documents”
  4. Make sure “Statements” is selected
  5. Select the statement from the list marked as M1 Spend

If you have multiple Spend accounts, please note that all account information will be listed in a single statement. 

Send Check Limits

There is no limit to the number of checks that can be sent in a day. However, the total can not exceed $5,000. The maximum monthly limit is $25,000. Whether you have one or multiple Spend accounts, these limits apply to the total amount transferred across all M1 Spend checking accounts.


Daily ACH Limit

Please refer to the LSB Truth in Savings Disclosure.


Joint Accounts

Currently, M1 Spend does not support joint accounts. If you have a joint M1 Invest taxable account and want to enroll in M1 Spend, the primary user on the account will be the account holder for the bank account.


Using an M1 Spend Account for Business Purposes

M1 Spend Accounts are intended for consumer purposes only. If you use an M1 Spend Account for business purposes, then we may elect to close the account in our sole and absolute discretion.


Who is Lincoln Savings Bank?

M1 Spend checking account furnished by Lincoln Savings Bank, Member FDIC. M1 Spend Visa Debit card issued by LSB, Member FDIC.

If you have any further questions, please contact us.


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