Trump Accounts: What's next to get $1,000 for your child

Trump hosts summit to launch 'Trump Accounts'

President Trump delivers remarks on Trump Accounts in Washington, D.C. in January 2026.

The U.S. Treasury Department has announced the next steps for activating Trump Accounts, the pilot program that will give $1,000 to babies born within a certain time frame. 

Here’s what to know: 

How to activate your child’s Trump Account

What's next:

Parents who have already signed their children up for the account by submitting IRS Form 4547 will begin receiving emails with instructions on how to activate the account. Those emails will be sent in phases between now and July 4. The emails will come from no-reply@TrumpAccounts.Treasury.gov. 

You can complete the steps to activate your account using either the Trump Accounts app on your phone or by visiting trumpaccounts.gov after you get the email. 

Timeline:

Starting July 4, children’s Trump Accounts can accept contributions from parents, family members, employers and other eligible contributors, subject to annual limits.  

Also starting July 4, eligible children will begin receiving $1,000 from the Treasury Department deposited directly into their Trump Accounts.  

US President Donald Trump during the Trump Accounts Launch Summit in Washington, DC, US, on Wednesday, Jan. 28, 2026. Photographer: Valerie Plesch/Bloomberg via Getty Images

What are Trump Accounts? 

The backstory:

A provision of Trump’s tax legislation, Trump Accounts are meant to give $1,000 to every baby born between 2025 and 2028, so long as their parents open an account. That money is then invested in the stock market by private firms, and the child can access the money when they turn 18. They can only use it for specific purposes, like paying tuition, starting a business or making a down payment on a home.

READ MORE: Trump shares new details on 'Trump Accounts' savings program

After a parent opens an account, the U.S. Treasury will contribute $1,000 for newborns. Private banks and brokerages will manage the money, which must be invested in U.S. equity index funds that track the stock market and charge the accounts no more than 0.10% in annual fees.

The parents of older children can also open accounts, but they won't get the $1,000 bonus.

Parents can contribute up to $2,500 annually in pretax income, much like they do for retirement accounts. Parents’ employers, relatives, friends, local governments and philanthropic groups can also pitch in. Yearly contributions are capped at $5,000, but contributions from governments and charities don’t count toward that total. 

POTUS unveils $6.25B Dell pledge to "Trump Accounts"

Billionaires Michael and Susan Dell pledged $6.25 billion to provide 25 million American children under 10 an incentive to claim the new investment accounts for children created as part of President Donald Trump’s tax and spending legislation.

Thanks to a historic donation by the Dell family, some children 10 and under may receive an additional $250 in seed money if their parents open an account. 

That money is reserved for kids who live in ZIP codes with a median family income of $150,000 or less and who won’t get the $1,000 seed money from the Treasury.

RELATED: With 'Trump Accounts,' your child could qualify for $1,000: What to know

How to sign up for a Trump account

What you can do:

Parents and guardians who haven’t opened a Trump Account yet can open one for their child anytime before they turn 18. Only babies born between 2025 and 2028 are eligible for the $1,000. To open one, you have to submit an IRS Form 4547, include Trump Account elections and enroll in the pilot program. There’s no cost to open an account. 

Visit TrumpAccounts.gov for more information on how to register.