How long do deposits take?

External bank account to M1 Invest Account 

This can take up to one business day. 


External bank account to M1 High-Yield Savings Account 

This can take up to four business days.

Funds transferred into your Savings Account will be pending for 3 business days before they are made available.

You can see the available date of deposited funds by navigating to your Savings Account and selecting the recent transfer.


External bank account to Crypto Account

You will be immediately granted up to $5,000 of your pending deposit. The remainder will be credited to buying power when the transfer settles.


External bank account to M1 Personal Loan

Payments to M1 Personal Loans take up to 2-5 business days to complete.


Please note: weekends, market holidays, and banking holidays do not count as business days.


If you have further questions, please contact us.


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.




M1 disclosures here.

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