Trump Accounts: How to Claim Your Child’s Account, the $1,000 Deposit and the Dell $250

What changed on October 1, 2026

Treasury completed automatic enrollment: “every eligible child under the age of eighteen with a valid Social Security number now has a Trump Account,” including over 60 million children enrolled automatically. The White House counts nearly 70 million Trump Accounts in total. Before this, a parent had to open the account with IRS Form 4547.

How to claim your child’s account

Treasury says to download the official Trump Accounts app for iOS or Android (linked from TrumpAccounts.gov). While claiming, the parent or guardian verifies their identity and relationship to the child, reviews the child’s information and accepts the account terms. Claiming lets you see the balance, manage the account and let family, friends and employers contribute.

Use only the official app or TrumpAccounts.gov to claim.

Who may get the $1,000 Treasury contribution

The one-time $1,000 pilot contribution is for a child born from January 1, 2025 through December 31, 2028 who is a U.S. citizen with a Social Security number. Treasury says the account must be claimed for an eligible child to receive it. These are eligibility rules, not a promise that every child will qualify.

The Dell $250 deposit (October 2026)

Michael and Susan Dell put $250 into the Trump Accounts of 25 million children born from 2016 through 2024, according to Invest America, the nonprofit that made the deposits. It says all deposits were made as of Friday, October 9, 2026, and families did not need to apply.

• Chosen by ZIP code, not family income: children in ZIP codes with a median family income of $117,300 or less (U.S. Census 2020–2024 estimates) were included, starting with the lowest-income areas, until 25 million children were reached. The pledge was first described with a $150,000 limit.
• Also included: eligible children living on military bases. Money is reserved for children in foster care, with those deposits expected next year.
• To see it: claim your child’s account in the app. Invest America has a ZIP code checker.

The Dell $250 is separate from the $1,000 Treasury contribution, which is for children born 2025–2028.

Other contributions and when money can be used

Starting July 4, 2026, parents, relatives, employers, and other authorized contributors may add money. The IRS lists an annual limit of $5,000; an employer may contribute up to $2,500 under its program, which counts toward that limit. The IRS says the money generally cannot be withdrawn before the year the child turns 18.

What we could not verify

Treasury’s October 1 release does not say how children who get a Social Security number later (for example, newborns) are enrolled, or whether families who filed Form 4547 before October 1 need to do anything more in the app. Invest America notes that Treasury has not issued final rules for every part of the program. Check TrumpAccounts.gov for your child’s situation.