SeedlistThe parent guide
What do you
need to do?
Clear answers, with a source you can check.
OpenedAn account exists
ClaimedYou can manage it
RequestedYou elected a contribution
ReceivedA deposit appears
Different account states, not a required order. Some donor deposits can arrive before you claim the account.
Find the official websiteStart at the IRS and follow its official links.My claim is stuckNotices, missing details and official support.Where is the $1,000?An open account is not a payment.Trump Account or 529?Compare purposes, access and tax treatment.
Claiming & account access
How do I claim my child’s Trump Account?Use the official Trump Accounts app or website.Is the $1,000 automatic, or do I have to request it?You have to request it.Can I opt out of or close my child’s Trump Account?No.Is there a deadline to claim? What if I never claim it?There’s no deadline, and the money isn’t lost or returned if you wait.Will my newborn get a Trump Account through the hospital?Social Security said in July 2026 it would help states update the hospital forms parents use to request a baby’s Social Security number so that they include the automatic creation of a Trump Account.Use the browser optionOfficial access without downloading an app.
Who gets what
Does my child already have a Trump Account?The IRS says eligible children were automatically enrolled starting October 1, 2026.My child was born before 2025. Can they get anything?They can still have a Trump Account, but they don’t qualify for the federal $1,000, which is only for children born 2025 through 2028.Did my child get Michael and Susan Dell’s $250?Invest America reports that $250 deposits were made for eligible children born January 1, 2016 through December 31, 2024 in qualifying ZIP codes.Who manages the account?What separated parents need to check.
Money & saving
When can the money be taken out? What happens at 18?Before the year your child turns 18, money generally can’t be taken out.Who can add money, and how much?Family members, employers and others can contribute.What is the money invested in, and are there fees?Until the year your child turns 18, the money must be in a mutual fund or ETF that tracks the S&P 500 or another index made up mainly of U.S.Can a Trump Account lose money?Yes, the balance can go down as well as up.Where does the money in Trump Accounts come from?The one-time $1,000 pilot contribution is funded by the U.S.Ask HR about a contributionEligibility, per-family limits and enrollment.
Benefits & privacy
When the answer is still uncertain
State Medicaid treatment, individual account delays, unpublished employer terms and donor selection rules can require direct confirmation. We label those gaps instead of guessing.
See the questions behind these guides →