# M1 HIGH-YIELD CASH ACCOUNT

Rake in high yields on your uninvested cash. M1 High-Yield Cash Accounts are FDIC-insured up to $4.75 million.

#### Get a one-year APY boost
Open a new Cash Account and earn a boosted 4.50% APY for one year. That’s a 1.15% boost on M1’s standard rate of 3.35% APY. To qualify, fund your account with $10,000+ from an external bank account within 30 days of opening it. Promo T&Cs apply.

## What is an M1 High-Yield Cash Account?
A High-Yield Cash Account is a cash reserve powered by your M1 brokerage account.

Instant transfers in M1
Move money with a tap when you’re ready to invest.

Unlimited withdrawals
Get your cash whenever you need it.

Transfer up to $120,000
Make big moves when the time is right.

## See how much your cash could grow

**M1’s Standard APY**  
**3.35%**  
M1 rates current as of September 2026

**Initial Deposit**  
$

**Time Period (months)**  
3 months

**Recurring Deposit**  
$

**Accrued Interest**  
$45.35

# Earn together. Grow together.

Working toward shared goals? Grow your combined contributions in a Joint High-Yield Cash Account.

### Tell your money what to do with Smart Transfers
Set rules for how money moves across M1.
- Save up to a goal and invest the rest
- Route dividend income from your portfolio to a High-Yield Cash Account
- Pay off your margin balance

### Your cash account questions, answered
Are there any transfer limits?  
There is no limit to the number of transfers to and from your Cash Account. However, you can only transfer a certain dollar amount per day. All clients with a High-Yield Cash Account have a daily ACH transfer limit of $50,000.

Is my money safe in a High-Yield Cash Account?  
High-Yield Cash Accounts are FDIC-insured up to $4.75 million. M1 is a member of SIPC. Securities in your account protected up to $500,000.

How is interest calculated?  
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal amount in your account each day. Interest is paid out monthly on the last day of the month.

What’s the difference between a High-Yield Cash Account and a High-Yield Savings Account?  
M1 High-Yield Cash Accounts are powered by your Individual Brokerage Account, while M1 High-Yield Savings Accounts are managed by our partner bank, B2 bank. A High-Yield Cash Account requires a taxable brokerage account at M1. Learn more here.