Who Qualifies for a Trump Account? The Full Eligibility Rules
The rules are simple. Your child must be born between January 1, 2025 and December 31, 2028. They must be a US citizen with a valid Social Security number. If your child was born before 2025, they still might qualify for a smaller $250 deposit in most areas.
Quick answer
Born January 1, 2025 or later, and before January 1, 2029? You qualify for the full $1,000. US citizen and have a Social Security number? You are eligible. If your child was born before 2025, check if they qualify for the $250 Dell Foundation deposit. Most ZIP codes include kids born before 2025, with some exceptions.
The age window: born 2025 through 2028
The $1,000 Trump Account deposit is only for US citizen children born on or after January 1, 2025 and before January 1, 2029. That is a four-year window.
The cutoff is strict. A child born on December 31, 2024 does not qualify. A child born on January 1, 2025 does. The program does not have exceptions for children born just outside this window.
US citizenship required
Your child must be a US citizen. This includes children born in the United States and children with US citizenship through parents. The child does not need to live in the United States, but citizenship is required.
Permanent residents, visa holders, and other non-citizens do not qualify for the account, even if they live in the US or have a Social Security number.
Social Security number required
Your child must have a valid Social Security number. Newborns typically receive one automatically, but if your child does not have one yet, apply for it at the Social Security Administration before you open the account.
The Trump Account system checks the name, date of birth, and SSN against Social Security records. All three must match exactly. Spelling, hyphens, spaces, and accents all matter.
Children born before 2025: the $250 Dell deposit
Children born before 2025 do not get the $1,000. But they might qualify for a smaller $250 deposit from the Dell Foundation. This covers children ages 0 to 10 in most areas, with some geographic exceptions.
To check if your older child qualifies for the $250, visit trumpaccounts.gov and enter their information. The site will tell you if the $250 is available in your ZIP code. You can open the account and claim the $250 the same way as the $1,000.
Multiple children: each gets their own $1,000
If you have two children both born in 2025, each one gets a separate Trump Account with $1,000. You open a different account for each child. They have separate account numbers, separate balances, and separate Social Security numbers.
As the parent or guardian, you control all accounts and can manage them from one login at trumpaccounts.gov.
Step-parents and guardians
You do not have to be the biological parent to open an account. Legal guardians can open accounts. So can grandparents or other relatives with legal guardianship. Verify your relationship through your legal documents when prompted.
Twins and multiples
Each child in a multiple birth qualifies for their own $1,000 if they were all born between 2025 and 2028. A set of twins born in 2025 means two separate accounts, $2,000 total.
Children born outside the United States
A child born outside the US can open an account if they are a US citizen and have a valid Social Security number. US military families, diplomats' children, and children with US citizenship through parents all qualify.
Non-citizen parents
A non-citizen parent can open a Trump Account for a child who is a US citizen. The parent's citizenship status does not matter. Only the child must be a US citizen.
How to verify your child's eligibility
Go to trumpaccounts.gov. Enter the child's name, date of birth, and Social Security number. The system will tell you if the child qualifies. If you get an error, verify the information matches the Social Security card exactly.
If the error persists, your child might not be in the eligible age range, or there might be a problem with the Social Security record. Contact the Social Security Administration to confirm the record is correct.
Frequently asked questions
My child was born on December 31, 2024. Do they qualify?
No. The program only covers children born on or after January 1, 2025. The cutoff is firm.
My child was born on January 1, 2029. Do they qualify?
No. The program covers children born through December 31, 2028. Children born in 2029 do not qualify.
Can I open an account for a child born before 2025?
Not for the $1,000. But your child born before 2025 might qualify for the $250 Dell Foundation deposit. Check trumpaccounts.gov to see if your ZIP code is eligible.
My child is adopted. Do they qualify?
Yes, if they are a US citizen with a valid Social Security number and were born between 2025 and 2028. Adoption does not affect eligibility.
Does the child's residency matter?
No. The child does not have to live in the US. They only need to be a US citizen with an SSN.
Can I open the account if my child doesn't have an SSN yet?
No. The account requires a valid Social Security number. Apply for one at the Social Security Administration first if your newborn hasn't received one yet.