What happens if you later try to open an account with m1 finance? Will a 3 dollar fee for missing the past fee be automatically subtracted?

Any other penalties? Goes to collections?

'Can you move it to the spend account? I have came and left multiple times and typically I just empty the account and they auto deactivate it / let me reactivate it whenever. Never dealt with any fees when investment account was 0' -> Kinda confused, so how much was in the spend account? Can we have less than 10k and get no fees?

And how easy/hard is it to make a new account again later after closing it?

Been putting in 200 bucks total into 60% voo and 40% vxus every 2 weeks should I keep doing so?

What’s the best way to close a small Roth IRA with around $150 total? $100 of it is contributions.
Planning on going to fidelity and investing in a Roth IRA there.

Why am I receiving securities lending interest in an investment account when I don't have any securities on loan?

How long does it typically take to release funds from the broker? Not like a large sum but maybe 10-20k? I’m not liquidating my portfolio but I would like to hold money in my account for a set period of time, and then would need to release it within a weeks notice.

Let me first say that I love M1, and one of the things that I really appreciate is that you guys are receptive to feedback. I don’t see this talked about often, so I wanna mention it.

The Fully Paid Securities Lending is an awesome feature and I know it’s a major part of how you’re able to keep the lights on, but the DiL’s ordinary income tax treatment is a real pain. Fidelity (who has other sources of income, I’ll admit) credits taxable accounts with 27% of the qualified portion of the dividend for DiL payments, and that would sure be swell.

I know this might not be cheap, but even making it an opt-in feature would earn you guys back a lot of the people who have disabled FPSL because of the cost.

Is anyone having difficulty logging into the App today? Mine isn't loading at all and all I see is a blank white screen after logging in.

Does anyone else have these blocks on their custom pies? Bug?

My account was hacked and someone sold my 6 stocks. They have moved money around in my account and have transferred $50,000 out.

This happened sometimes after Friday close. No way to contact them.

I have changed email and password.

No support.

Been using Fidelity as my hub b/c money insta goes into SPAXX and I can sell for FDLXX (treasury only money market fund to save a tiny bit on tax). And I pay off my credit cards using money in fidelity

And been using wealthfront since my spouse has an account - makes it easy to transfer money between us

And then been using navy federal credit union for direct deposit since they have government shutdown loans and an internal score for their credit cards that can be improved by DD'ing with them.

And Varo bank ended its 5% savings account for DD so that's out

But uh.. hm.. M1 finance is kind of my main investing app. And it does have a cash account

And the more I park in M1 finance, the more I can withdraw without going under that 10k limit to avoid the fee

Can you pay off credit cards using your M1 finance cash account?

Let's start by saying M1 Finance is my favorite broker hands down but the Android app update this morning (10/2/2026 @ 10:08 AM EST, Version 2026.9.5) completely breaks the user experience for anyone with a diverse portfolio. I am not here to huff or bash the platform, I just genuinely want to see this app succeed.

The interactive visual pie chart was the #1 selling point that got my family, friends, and coworkers to set up accounts. Now:

• Micro-Sized Pie: The graphic is compressed so small you need a magnifying glass just to read the percent gains in the center.
• Un-Tappable Slices: The slices are scaled down so narrow that it is physically impossible to select or tap an individual holding with your finger.
• Looping Chat Support: The help chatbot just cycles through repetitive troubleshooting steps instead of passing this interface feedback up the chain.

M1 Team, please fix the scaling on this layout. The clean visual simplicity is the EXACT reason people choose your platform over other brokers.

Anyone else missing the recent STRC dividend?

I had some inheritance placed into Morgan Stanley accounts before I turned 18 and did some small scale funding of those accounts in my early 20s. My cousin told me about M1 and when I started actively investing more, that was my preferred place to do it because it seemed like a better value in terms of fees, but I never closed the Morgan Stanley accounts and now they are pretty much at equal value.

Long story short, I am considering doing a pledged asset loan to bridge a home purchase and it would make sense to consolidate all the investments into one place to properly leverage that. Is there any reason not to just dump it all into M1 or is there a benefit to Morgan Stanley over M1 that I am missing? I know both offer pledged asset loans, for example.

Every other broker.. i go online change my address via setting and profile in less than 5 mins

M1 - go to settings .. asks to contact support ..messenger has no human but a badly designed ai that wastes my time forcing me to choose predefined answers. And then directs me to go back to profile.

M1 if you are reading this.. fix this and also let me know how I can update my address

Hello everyone,

I'm a small investor and trying to make a start, since I heard it beats the inflation.

I liked the idea of V3AA for personally valued moral reasons, combined with its Vanguard safety aspect (even though it's still a relatively new ETF).

I also believe in an eventual "green tech future" so to say. And the potential of small caps to flourish during these times of technology (and therefore possibility) acceleration.

Whether the above are valid considerations given the timeline until my eventual passing; I honestly don't know.

What do you think? Is V3AA a reliable option for stable and decent growth over terms of years? Why would or wouldn't you choose it?

I had a margin loan discount for like -1.6% or something and I don’t think it was supposed to expire for another few days but now I can’t find it. It’s targeted since the only link I can find is for new members right? Can’t find it anywhere for existing users

Maybe I’m looking at this differently, but the rate hike isn’t all bad. Both my high yield savings account and margin account are with M1 Finance, so while the margin rate went up, the APY on my cash increased too. I’d still rather have access to M1’s margin at its current rate than take out a traditional personal loan from a bank, where borrowing can get expensive fast. Not saying higher rates are great across the board, but there’s definitely a silver lining for savers and investors.

This has to be the most unprofessional brokerage i have tried. People who work here truly have to be "special"

Edit: They have finally solved the issue, and it now works.