M1 Finance Bonus — M1 Finance is currently offering $500 to new customers as part of their M1 Finance New Account Bonus Up to $500 promotion. This bonus is available for a limited time — check the official page for the latest deadline. New clients who open and fund an M1 Individual, Joint, or Retirement account earn a tiered cash bonus scaled to their deposit ($75 for $10K up to $500 for $100K+). M1 is a crypto-capable brokerage (Bitcoin, Ethereum, Litecoin) alongside stocks and ETFs, and separately runs a transfer bonus of up to $10,000 for moving an outside brokerage account. Below, we break down exactly how to qualify, what you need to know before signing up, and whether this bonus is worth your time.
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How Do I Earn the M1 Finance M1 Finance New Account Bonus Up to $500 Bonus?
Qualifying for the M1 Finance bonus is straightforward, but you need to follow every step carefully. Here is the complete process from start to finish:
- Step 1: Open a new M1 brokerage account
- Step 2: Fund it within 14 days — $10K earns $75
- Step 3: $30K earns $150
- Step 4: $50K earns $250
- Step 5: Earns $500
- Step 6: Funds must stay ~6 months
Make sure to complete all requirements within the specified timeframe. Missing even one step could disqualify you from receiving the bonus. Most bonuses are deposited within 10 to 15 business days after all conditions are met, though some institutions may take longer.
We recommend screenshotting or saving a copy of the offer terms before you start. Promotions can change or be pulled at any time, and having proof of the original terms protects you if there’s a dispute about your eligibility.
What Are the Requirements for the M1 Finance Bonus?
Here is a summary of everything you need to know about this offer at a glance:
| Company | M1 Finance |
| Bonus Amount | $500 |
| Minimum Deposit | $10000 |
| Requirements | Open a new M1 brokerage account and fund it within 14 days — $10K earns $75, $30K earns $150, $50K earns $250, $100K+ earns $500; funds must stay ~6 months |
| Offer Expires | See listing |
| Eligibility | New M1 clients only, US residents, bonus paid the last day of the 6th month after the qualifying deposit |
Always read the full terms and conditions on the official offer page before signing up. Requirements can change without notice, and some bonuses have additional conditions — such as maintaining a minimum balance for a set period or avoiding early account closure fees — that are not always highlighted in the promotional materials.
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If the bonus requires a direct deposit, keep in mind that what counts as a “direct deposit” varies by institution. Some banks accept ACH transfers from other banks, while others require an employer payroll deposit. Confirm this detail before you start so there are no surprises.
Is the M1 Finance Bonus Worth It?
A $500 bonus on a $10000 deposit works out to roughly 5.0% — a decent return, especially if you were planning to park cash anyway.
Keep in mind that new m1 clients only, us residents, bonus paid the last day of the 6th month after the qualifying deposit, so make sure you qualify before going through the application process.
Also consider any monthly maintenance fees on the account. Some banks waive these fees if you maintain a minimum balance or have direct deposit set up, but if you plan to close the account after earning the bonus, factor in any fees you might incur during the holding period.
This offer from M1 Finance is valid until See listing. As with any financial promotion, terms and conditions apply — we recommend visiting the official offer page for the most current details before you sign up. Bonus offers in this space change frequently, and acting sooner rather than later helps ensure you lock in the current terms.
If this bonus isn’t the right fit for your situation, don’t worry — there are plenty of other options available right now. Browse our full list of active bonuses to compare offers and find the best match for your goals. We update our listings daily for July 2026 so you always have access to the latest verified promotions.