How to Open a Trump Account: 5 Steps, 5 Minutes

The Trump Account deposits $1,000 directly into your child's account. Opening takes about five minutes. You have three ways to do it. This guide walks you through each one.

Quick answer

Go to trumpaccounts.gov on your computer or download the Trump Accounts app. Enter your child's name, date of birth, and Social Security number. Confirm the details and submit. The $1,000 appears in the account within one to three business days. You can also file IRS Form 4547 with your tax return if you prefer paper.

Step 1: Gather your child's information

You will need your child's Social Security number, full legal name exactly as it appears on the SSA card, and date of birth. Have the SSA card in front of you. Names and dates must match the Social Security Administration's records exactly. Mismatches are the most common reason for errors.

Your child must be a US citizen born between January 1, 2025 and December 31, 2028. Children born before 2025 do not qualify for the $1,000, but some may qualify for the $250 Dell Foundation deposit.

Step 2: Choose your method

Three official channels exist. Pick one.

Method A: trumpaccounts.gov on computer. Fastest for most families. Go to the site, enter your child's details, verify them, and submit. The $1,000 is usually approved within one business day. You will get a confirmation email.

Method B: Trump Accounts app. Available on Apple App Store and Google Play. Same process as the website. Handy if you mostly use your phone. Download from the official app store only. Do not use links from texts or emails.

Method C: IRS Form 4547 on your tax return. Slower but fine if you are filing anyway. File Form 4547 with your 2026 tax return, or attach it to your return electronically through your tax software. The $1,000 arrives after your return is processed, usually within six to eight weeks.

Step 3: Visit trumpaccounts.gov (if using the website)

Open your web browser and type the address bar carefully: trumpaccounts.gov. Look for the .gov domain. Any other ending like .com or .org is not the real program. Scammers use lookalike sites.

Click "Open an Account" or "Claim Your $1,000." The site will ask for your email address and password to create an account. This is the parent account. Use an email and password you will remember. You will need to log in later if you want to add contributions or view account statements.

Step 4: Enter your child's information

Type your child's full legal name, date of birth, and Social Security number into the form. Double-check each field. A typo in the name or SSN is the number one reason for an "unable to process" error.

The system checks your entries against Social Security records. If everything matches, you get a confirmation screen. If you see an error, do not submit. Go back and verify the exact spelling and date against the SSA card.

If the error persists after you have fixed typos, wait a few hours and try again. The Social Security database updates throughout the day. For newborns whose SSN was just issued, it can take a few days to propagate through the system.

Step 5: Confirm and submit

Review the summary screen. Make sure the name, date of birth, and SSN are correct. Click the button to confirm and submit. You will get a confirmation page and a confirmation email within minutes.

The Treasury Department then deposits the $1,000 directly into the child's account. This usually happens within one to three business days. You can log in to your parent account on trumpaccounts.gov to check the status.

Troubleshooting

If you get an "unable to process" error, verify the child's name, SSN, and date of birth against the Social Security card exactly. Spaces, hyphens, and spelling all matter. Try again at a different time, like early morning or late evening, when server load is lighter.

If the error lasts more than a few days, call the Social Security Administration. Ask them to confirm the child's record is correct. A newborn's SSN can take several days to propagate. You can also verify the account details and troubleshoot common errors in the full guide.

What happens after you open the account

The child's account is now active. The $1,000 sits in low-cost US stock index funds with fees capped at 0.1%. The money grows until the child turns 18. Family and friends can add up to $5,000 per year.

Use the Trump Account calculator to project how much the $1,000 will grow. Compare it to a 529 college savings plan to see which makes sense for your family.

Frequently asked questions

How long does it take to open a Trump Account?

About five minutes if you use the website or app. You enter your child's information and submit. The Treasury deposits the $1,000 within one to three business days.

What if I make a mistake entering the child's name?

Contact Trump Accounts support through the official website or app. They can correct a misspelled name or other details after the account is open. Do not ignore a typo. It can affect how the account operates.

Can I open an account for multiple children?

Yes. Each child born 2025 through 2028 gets their own $1,000 account. Open a separate account for each child using the same method.

What if my child was born before 2025?

Your child does not qualify for the $1,000. However, children born before 2025 in most ZIP codes can claim the $250 Dell Foundation deposit. Check your eligibility.

Is my information safe on trumpaccounts.gov?

The site is run by the US Treasury Department and uses the same security as other federal sites. Only access it through trumpaccounts.gov in the address bar. Never click links from texts or emails claiming to be from Trump Accounts.