how does my baby get the trump account
The baby doesn’t “get” a Trump account automatically; a parent or guardian has to open it for the child, and the child generally needs a Social Security number and to be under 18. For the new government-funded deposit, the child must also be a U.S. citizen born between January 1, 2025, and December 31, 2028.
What to do
- Check that your baby has a Social Security number.
- Open the account through the provider that offers it.
- Make any contributions you want, subject to the yearly limits.
- If your baby qualifies, the $1,000 federal seed money is the part that comes from the government.
Money rules
- The annual contribution cap is $5,000 per child.
- Parents, family, friends, and employers can contribute, though employer contributions count toward the cap.
- Some reports say the account launch/contribution window starts in July 2026.
Eligibility at a glance
| Child | Can open account? | Gets $1,000 seed? |
|---|---|---|
| Under 18 with Social Security number | Yes | Only if born Jan. 1, 2025 to Dec. 31, 2028 and U.S. citizen |
| Outside that birth window | Yes, according to reports | No |