Prefer Investozora on Google
Get real-time financial updates.
If you already enrolled your child in a Trump Account, the $1,000 government contribution should be reaching it now. The Treasury Department confirmed that eligible children began receiving the pilot program deposit starting July 4, 2026, alongside the ability for parents, family members, and employers to make their own contributions.
Enrollment and activation are two separate steps, and it’s worth understanding both. To enroll a child, a parent or guardian signs in to their IRS online account using ID.me and submits Form 4547, the Trump Account Election form.
Once that’s processed, activation is a second step: you download the official Trump Accounts app from the App Store or Google Play, or use the web version at trumpaccount.com, and enter your information as parent along with each eligible child’s details. Families who already filed will receive an activation email specifically from no-reply@trumpaccounts.treasury.gov.
Eligibility is narrower than the program’s name suggests. To activate an account, the child must be under 18 with a valid Social Security number and must not already have one established.
The $1,000 government contribution specifically goes to children born between January 1, 2025 and December 31, 2028, meaning older children can still have an account opened but won’t receive that one-time deposit.
The account itself is a tax-deferred structure created under the One Big Beautiful Bill Act, with funds automatically invested in an S&P 500 index fund, so its value moves with the market rather than staying fixed, a meaningfully different structure than a savers match program or a traditional savings account.
Because a new federal program always attracts scammers, Treasury has been explicit about legitimate contact. Official activation emails come only from the address above, and the Treasury will never contact you about a Trump Account by mail, text, or phone call.
If you receive an unexpected call or text about your child’s account, treat it as suspicious regardless of how official it looks, and go directly to trumpaccounts.gov instead of clicking any unsolicited link.
If you’re setting this up for the first time this week, confirm you have an active IRS Online Account first, since that login is required for both the election form and activation. Once processed, download the Trump Accounts app rather than searching for it, to avoid impostor listings, and enter your details exactly as they appear on your IRS records.
Remember that money invested in the market can lose value as well as gain it, and the account can’t be accessed until your child turns 18 except in narrow circumstances, a rule worth weighing against the broader 4 million children already enrolled nationwide.
