Independent Information Resource
Here's the deal: If your child was born before 2025 and is under age 10, they may qualify for $250 from Dell in qualifying zip codes. If your child is born in 2025 or later, they automatically get $1,000 from the federal government. Either way — it's free money you don't have to pay back.
The Bottom Line: Got a kid under 10 right now? Check if your zip code qualifies for the $250 Dell gift. Having a baby in 2025 or later? You automatically get $1,000 from the government. It's one or the other based on birth year.
Trump Accounts provide eligible children born 2025-2028 with a $1,000 government contribution to start building wealth from birth. This site provides factual information about eligibility, application process, and how these accounts compare to other savings options.
The federal government deposits $1,000 for all children born in 2025 or later (program covers births from January 1, 2025 onward).
Accounts become available and contributions can begin on Independence Day 2026.
Parents, family, and employers can contribute up to $5,000 per year until the child turns 18.
Children born before 2025 and currently under age 10 in qualifying zip codes (75% of U.S.) get $250 from Dell Foundation. Covers 25 million already-born children. These children do not qualify for the federal $1,000.
Recent announcements and coverage from government agencies, financial institutions, and news organizations.
BNY becomes first major financial institution to match the government's $1,000 contribution, providing employees' children with $2,000 total. Charter Communications has a similar program.
ASPPADuke University professor William Darity discusses potential impacts on wealth distribution as the administration releases additional implementation details.
NPR/WVXUAnalysis of IRS Notice 2025-68 reveals accounts must invest in low-cost ETFs with 100% equities and maximum 0.1% annual fees, eliminating most target-date funds.
ASPPABank of New York Mellon announces it will match the federal $1,000 seed payment for eligible employee children born between 2025 and 2028.
AxiosInteractive tool demonstrates how $1,000 could grow under different contribution levels and market conditions.
WCVB BostonFinancial journalists address common questions about the program, including eligibility requirements and tax treatment.
CNBCHistoric pledge will provide $250 to each of 25 million children age 10 and under in zip codes with median income below $150,000.
White HouseTreasury and IRS release Notice 2025-68 with detailed framework including draft Form 4547 and rules for contributions, investments, and distributions.
IRSCoverage of how Trump Accounts work, including comparisons to 529 college savings plans and traditional IRAs.
CBS NewsAnalysis of opt-in enrollment requirements, withdrawal restrictions, and historical context of baby bonds proposals.
PBS NewsHourMajor brokerage firm releases comprehensive guide covering eligibility, contribution limits, investment options, and comparisons to other savings vehicles.
Charles SchwabCouncil of Economic Advisers projects fully-funded accounts could reach $303,800 by age 18 and $1.09 million by age 28 under average market conditions.
White House CEARequirements for government seed money:
No income restrictions. All families qualify regardless of household income level. Program applies to future births from 2025 onward.
$250 for children born BEFORE 2025:
Applies to approximately 75% of U.S. zip codes, covering up to 25 million children already born. Dell will provide a zip code lookup tool. Note: These children do NOT receive the federal $1,000 — only the Dell $250.
Basic requirements to open any Trump Account:
Children born outside 2025-2028 window can open accounts but won't receive federal seed money.
Early 2026: IRS releases final version of Form 4547
Mid-2026: TrumpAccounts.gov portal launches for online applications
Complete IRS Form 4547 (Trump Account Election) via:
Earlier filing recommended to secure seed funding.
May 2026: Treasury Department sends activation instructions to approved applicants
Initial accounts managed by Treasury's designated financial agent
July 4, 2026: First contributions accepted
Accounts may later be transferred to preferred brokerage firms through trustee-to-trustee rollover (exact timing to be announced)
Official application form for Trump Account Election
Status: Draft available (December 2025)
View Draft FormOfficial Treasury Department guidance on Trump Account rules and regulations
Released: December 2, 2025
Read NoticeOfficial government portal for Trump Account registration
Status: Expected to launch mid-2026
Coming SoonOfficial announcements and program details from the Trump Administration
Updated: December 2025
View DetailsSeveral major brokerages and financial institutions have published educational materials:
Interested in partnering, listing your services, or have questions about this resource? Get in touch.
Note: This is an independent information website. For official questions about Trump Accounts eligibility or applications, please contact: