EXHIBIT 1

JOINT FILING AGREEMENT

In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Stock of BM Technologies, Inc. and further agree that this Joint Filing Agreement shall be included as an Exhibit to such joint filings.

The undersigned further agree that each party hereto is responsible for the timely filing of such Statement on Schedule 13G and any amendments thereto, and for the accuracy and completeness of the information concerning such party contained therein; provided, however, that no party is responsible for the accuracy or completeness of the information concerning any other party, unless such party knows or has reason to believe that such information is inaccurate.

This Joint Filing Agreement may be signed in counterparts with the same effect as if the signature on each counterpart were upon the same instrument.

In witness whereof, each of the undersigned has executed this Agreement as of November 4, 2024.

	M3 PARTNERS, LP

	By:	M3 Funds, LLC, General Partner

	By:	/s/ Jason A. Stock
	Name:	Jason A. Stock
	Title:	Manager

	M3 FUNDS, LLC

	By:	/s/ Jason A. Stock
	Name:	Jason A. Stock
	Title:	Manager

	M3F, INC.

	By:	/s/ Jason A. Stock
	Name:	Jason A. Stock
	Title:	Managing Director

	/s/ Jason A. Stock
	Jason A. Stock

	/s/ William C. Waller
	William C. Waller

BM Technologies, Inc. SC 13G