Trump Account checker: the $1,000 seed, the Dell $250, and what it could grow to
Enter a birth date. See what your child qualifies for, how to claim, and what the account could be worth at 18.
Your answer
How to claim the account, in 5 steps
Claiming is how you see the account, elect the $1,000 (if eligible) and add money. It is free.
Open the official app or site
Get the “Trump Accounts” app (iPhone or Android) from the links on TrumpAccounts.gov, or on a computer go to trumpaccount.com.
Sources: Treasury, Oct 1, 2026 (opens in a new tab), Help Center: Claim an account (opens in a new tab) · checked
Verify your identity and your relationship
Confirm who you are, then confirm you are the child’s parent or legal guardian. You become the account’s “responsible party”.
Source: Help Center: Claim an account (opens in a new tab) · checked
Fill in the claim form (same as Form 4547)
Your legal name, SSN or ITIN, date of birth, address including county (it matters for county or state donor programs), mobile and email; your child’s legal name as on the Social Security card, SSN and date of birth. Up to 2 children per form. If your child was born 2025–2028 and is a U.S. citizen, check the $1,000 pilot program box.
Sources: Help Center: Claim form (opens in a new tab), IRS Form 4547 (opens in a new tab) · checked
Wait for IRS confirmation
You get an email from no-reply@trumpaccounts.treasury.gov and a notice in the app; then finish claiming (review your child’s details, accept the account terms). “Some delays are a normal part of the process.” You can also see the status in your IRS online account.
Sources: Help Center: Claim an account (opens in a new tab), Help Center: Claim form (opens in a new tab), IRS: Trump Accounts (opens in a new tab) · checked
See the account and add money
Once claimed you see the full history (including any Dell $250), can link a bank and add contributions. Add more children with “Add child”.
Source: Help Center: Claim an account (opens in a new tab) · checked
Other ways to elect
- IRS online account (ID.me) → Form 4547: the IRS says it takes 5 to 10 minutes and needs ID.me, the child’s SSN, date of birth and address.
Source: IRS: Trump Accounts (opens in a new tab) · checked
- Or attach Form 4547 to your tax return.
Sources: Help Center: Claim form (opens in a new tab), IRS Form 4547 (opens in a new tab) · checked
- Already filed Form 4547 with your 2025 return? No action until you’re notified.
Source: Help Center: Claim form (opens in a new tab) · checked
Scam check
Type these addresses yourself. Don’t tap links in texts or ads.
The only official places
- TrumpAccounts.govTreasury’s program site. Open TrumpAccounts.gov (opens in a new tab)
- trumpaccount.comThe official app’s web portal (on a phone it sends you to the app). Open trumpaccount.com (opens in a new tab)
- irs.gov/trumpaccountsForm 4547 in your IRS online account (ID.me). Open irs.gov/trumpaccounts (opens in a new tab)
The app is called “Trump Accounts” on the Apple App Store and Google Play. Open it from the links on TrumpAccounts.gov rather than searching.
Real messages come from
- Activation emails: only no-reply@TrumpAccounts.Treasury.gov
- Later: in the app, or from addresses ending @trumpaccount.com
- Phone support only: 866-USA-4547 (866-872-4547), 7 AM–10 PM ET, 7 days a week. Don’t use numbers from search results.
Support will never
- ask for your account password or two-factor code
- ask you to install remote-access software or share your screen
- send you links in text messages
- ask you to create a new Trump Account
- ask you to send money (CashApp, Venmo or similar)
Treasury may contact you by email, text or automated call about activating the account, but it will never ask for passwords or one-time verification codes. Official texts never contain links, per the help center. Never give codes or passwords; open the app yourself.
There are no fees to claim or keep the account. Nobody legitimate charges you to “unlock” the $1,000 or the Dell $250.
Report a scam
- Forward suspicious Trump Account messages to reportphishing@trumpaccount.com (include headers, a screenshot, the number or URL).
- Fake IRS or Treasury texts: email phishing@irs.gov with the subject “Text”, and forward the text to 7726.
- Report fraud to the FTC at ReportFraud.ftc.gov.
Sources: Treasury, May 28, 2026 (opens in a new tab), Help Center: Scams (opens in a new tab), Help Center: Claim form (opens in a new tab), Help Center: Investing (opens in a new tab), IRS: report fake messages (opens in a new tab) · checked
What’s in the account
Four kinds of money can go in. Only family and employer money counts toward the $5,000 a year per child.
| Money | From | Counts toward $5,000? | Need to claim? |
|---|---|---|---|
| $1,000 Treasury seed | U.S. Treasury, once per child born 2025–2028 | No | Yes: claim the account and check the $1,000 box |
| Dell $250 | Michael & Susan Dell, via Invest America | No | No, but you must claim to see it |
| Family and friends | Anyone, up to the yearly limit | Yes | Yes |
| Employer | A parent’s employer, up to $2,500 a year tax-free (“coming soon”) | Yes | Yes |
Sources: 26 U.S.C. § 6434 (opens in a new tab), Help Center: Contributions (opens in a new tab), Invest America: Dell $250 (opens in a new tab), 26 U.S.C. § 530A (opens in a new tab), Federal Register 2026-20026 (opens in a new tab), 26 U.S.C. § 128 (opens in a new tab) · checked
The rules we check
What a Trump account is
- A Trump account is a type of traditional IRA (not Roth) for a child. Special rules apply until the end of the calendar year the child turns 17.
Sources: 26 U.S.C. § 530A (opens in a new tab), Federal Register 2026-20026 (opens in a new tab) · checked
- No withdrawals before the calendar year the child turns 18 (exceptions exist). At 18 the account follows regular traditional-IRA rules.
Sources: 26 U.S.C. § 530A (opens in a new tab), Federal Register 2026-20026 (opens in a new tab) · checked
- Until then the money must be in low-cost U.S. stock index funds, with fees of 0.1% a year or less.
Sources: 26 U.S.C. § 530A (opens in a new tab), Help Center: Investing (opens in a new tab) · checked
- A child under 18 with a Social Security number can have one. U.S. citizenship is not required for the account itself; it is required for the $1,000 seed.
Sources: 26 U.S.C. § 530A (opens in a new tab), 26 U.S.C. § 6434 (opens in a new tab) · checked
- Treasury says every eligible child under 18 with a valid SSN now has an account, “ready to be claimed” (Oct 1, 2026). Accounts opened earlier through Form 4547 or the app are not affected.
Source: Treasury, Oct 1, 2026 (opens in a new tab) · checked
- Unclaimed accounts can receive only “qualified general contributions” (like the Dell $250) and the $1,000 seed if it was elected. Money from family or employers needs a claimed account.
Source: Federal Register 2026-20026 (opens in a new tab) · checked
- The money is invested from day one, but nobody (not even a parent) can see the balance until the account is claimed.
Source: Help Center: Claim an account (opens in a new tab) · checked
- If nobody claims it, the child can claim it once they have legal capacity (generally at 18).
Source: Federal Register 2026-20026 (opens in a new tab) · checked
The $1,000 Treasury seed (“pilot program contribution”)
Your child qualifies only if all of these are true:
- Born January 1, 2025 through December 31, 2028.
- A U.S. citizen.
- Has a Social Security number issued before the election.
- No earlier pilot election for that child (one per child, ever).
- The election is made by someone who expects the child to be their qualifying child for that tax year (typically a parent or guardian).
Sources: 26 U.S.C. § 6434 (opens in a new tab), IRS Form 4547 (opens in a new tab), IRS IR-2026-31 (opens in a new tab) · checked
- It is not automatic. Treasury cannot make the election for you, and automatic enrollment does not trigger the $1,000: the account must be claimed and the $1,000 box checked.
Sources: Federal Register 2026-20026 (opens in a new tab), Treasury, Oct 1, 2026 (opens in a new tab) · checked
- The election is the checkbox on the claim form (Form 4547, Part III, line 7), made in the Trump Accounts app or trumpaccount.com, in your IRS online account (ID.me), or attached to your 2026 tax return.
Sources: IRS Form 4547 (opens in a new tab), Help Center: Claim form (opens in a new tab), IRS: Trump Accounts (opens in a new tab) · checked
- If you already filed Form 4547 with your 2025 return, no further action is needed until you’re notified.
Source: Help Center: Claim form (opens in a new tab) · checked
- After the IRS confirms eligibility, the $1,000 is automatically deposited into the child’s account.
Source: Help Center: Claim form (opens in a new tab) · checked
- The $1,000 does not count toward the $5,000 yearly limit.
Sources: 26 U.S.C. § 530A (opens in a new tab), Help Center: Contributions (opens in a new tab) · checked
The Michael & Susan Dell $250
- $6.25 billion → $250 each into the Trump Accounts of 25 million children born between 2016 and 2024.
Sources: Invest America: Dell $250 (opens in a new tab), Federal Register 2026-20026 (opens in a new tab) · checked
- Based on ZIP code data, not your family’s own income. It started with the lowest-income ZIPs and expanded until 25 million children were reached.
Source: Invest America: Dell $250 (opens in a new tab) · checked
- Final line: ZIP codes with a median family income of $115,000 or less (Census ACS 2020–2024 5-year estimates, table B19113). “Family” income is not the same as “household” income.
Sources: Invest America: Dell $250 (opens in a new tab), Census ACS B19113 (opens in a new tab) · checked
- The first announcement used $150,000; it changed to $115,000 after automatic enrollment raised the number of eligible children. “If you claimed a Trump Account or submitted Form 4547 before October 1, your child remains eligible under the rules that applied at that time. You do not need to take any additional action.”
Source: Invest America: Dell $250 (opens in a new tab) · checked
- All eligible children living on military bases were also included.
Source: Invest America: Dell $250 (opens in a new tab) · checked
- Funds are reserved for children in foster care; details are still being determined and expected next year.
Source: Invest America: Dell $250 (opens in a new tab) · checked
- “All deposits are expected to be made by the end of the day Friday, October 9. Check your child’s Trump Account early the following week.”
Source: Invest America: Dell $250 (opens in a new tab) · checked
- You don’t need to claim the account for the $250 to arrive, but you must claim it to see it.
Sources: Federal Register 2026-20026 (opens in a new tab), Help Center: Claim an account (opens in a new tab) · checked
- The Dell $250 does not count toward the $5,000 yearly limit.
Source: 26 U.S.C. § 530A (opens in a new tab) · checked
- Unverified: The exact list of included ZIPs is not published. Our ZIP check is an estimate from the same Census table; the ZIP Treasury has on file for your child may differ, and Census ZIP Code Tabulation Areas only approximate USPS ZIP codes.
Sources: Invest America: Dell $250 (opens in a new tab), Census ACS B19113 (opens in a new tab) · checked
Only need the Dell answer? Use the Dell $250 ZIP check. How we turn these rules into answers is on Method & sources.
Questions
Is the $1,000 automatic?
No. Treasury opened accounts automatically on Oct 1, 2026, but the $1,000 pilot program contribution needs an election: claim the account (or file Form 4547) and check the $1,000 box. After the IRS confirms eligibility, the $1,000 is deposited automatically. Treasury cannot make the election for you.
Sources: Treasury, Oct 1, 2026 (opens in a new tab), Federal Register 2026-20026 (opens in a new tab), Help Center: Claim form (opens in a new tab) · checked
My child is 12. Is there any money for them?
A child born in 2014 is too old for the $1,000 seed (born 2025–2028 only) and outside the Dell $250 birth years (2016–2024). If your child has a Social Security number, they likely already have an account, and family can add up to $5,000 a year through the end of the year they turn 17.
Sources: 26 U.S.C. § 6434 (opens in a new tab), Invest America: Dell $250 (opens in a new tab), Treasury, Oct 1, 2026 (opens in a new tab), 26 U.S.C. § 530A (opens in a new tab) · checked
Why didn’t my older child get the Dell $250?
The Dell $250 went to children born 2016–2024 in ZIP codes with a median family income of $115,000 or less (or $150,000 if you claimed the account or filed Form 4547 before Oct 1, 2026). Children born in 2015 or earlier were not included. All eligible children on military bases were included, and money for children in foster care is expected next year.
Source: Invest America: Dell $250 (opens in a new tab) · checked
What ZIP income counts for the Dell $250?
Not your own income. It is the Census estimate of median family income for your ZIP area (American Community Survey 2020–2024 5-year, table B19113). “Family” income is not the same as “household” income. The official list of included ZIPs is not published, so our ZIP check is an estimate from the same table.
Sources: Invest America: Dell $250 (opens in a new tab), Census ACS B19113 (opens in a new tab), Census Reporter B19113 (opens in a new tab) · checked
Who can add money, and how much?
Once the account is claimed, family, friends and employers can add up to $5,000 a year per child in total; an employer can give up to $2,500 of that tax-free (employer contributions are “coming soon”). The $1,000 seed, the Dell $250 and rollovers don’t count toward the limit. Contributions stop after Dec 31 of the year the child turns 17. After 2027 the limit will be adjusted for inflation.
Sources: 26 U.S.C. § 530A (opens in a new tab), 26 U.S.C. § 128 (opens in a new tab), Help Center: Contributions (opens in a new tab) · checked
Can I take money out?
No withdrawals are allowed before the calendar year the child turns 18 (exceptions exist). The money must stay in low-cost U.S. stock index funds until then.
Sources: 26 U.S.C. § 530A (opens in a new tab), Federal Register 2026-20026 (opens in a new tab) · checked
What happens at 18?
From the year the child turns 18, the account follows the regular traditional-IRA rules. If nobody claimed it, the child can claim it once they have legal capacity (generally at 18).
Sources: 26 U.S.C. § 530A (opens in a new tab), Federal Register 2026-20026 (opens in a new tab) · checked
Is this site official?
No. This is an independent, unofficial checker by plusbeauxjours, not affiliated with the U.S. Treasury, IRS, Invest America or the Dell family. The official places are TrumpAccounts.gov, trumpaccount.com and irs.gov/trumpaccounts. We never ask for a Social Security number.
Sources: TrumpAccounts.gov (opens in a new tab), Treasury, May 28, 2026 (opens in a new tab) · checked
I already filed Form 4547. What now?
If you filed Form 4547 with your 2025 tax return, no further action is needed until you’re notified. If you claimed the account or submitted Form 4547 before Oct 1, 2026, the earlier Dell rule ($150,000 ZIP median family income) still applies to your child.
Sources: Help Center: Claim form (opens in a new tab), Invest America: Dell $250 (opens in a new tab) · checked
Is there a deadline?
We found no stated deadline to elect the $1,000 on the official pages we checked, so don’t wait. The Dell $250 deposits were expected by the end of the day Friday, Oct 9, 2026.
Sources: Help Center: Claim form (opens in a new tab), IRS IR-2026-31 (opens in a new tab), Invest America: Dell $250 (opens in a new tab) · checked
Facts checked . Every source, the method and what we could not verify are on Method & sources.