Trump Baby Accounts: Do All Babies Qualify?

The Short Answer

Not automatically — but almost all U.S.-born babies can qualify. The catch is that parents must take action. The government will not open an account for your baby on its own. You need to file IRS Form 4547 to opt in.

If your baby is a U.S. citizen with a valid Social Security number, they are eligible. It does not matter how much money your family makes. There are no income limits.

Quick Eligibility Checklist

Run through this yes/no checklist. Your baby must meet all three requirements:

Who Does NOT Qualify

Some children are not eligible, no matter what:

• Non-citizens. Children who are not U.S. citizens cannot open a Trump Account. This includes children with green cards (permanent residents) who have not become citizens.
• Children without an SSN. An Individual Taxpayer Identification Number (ITIN) does not count. You need a real Social Security number.
• Children 18 or older. If the child is 18 or older at the end of the election year, they are not eligible.
• Unborn children. You cannot file IRS Form 4547 before your baby is born and has an SSN.

The $1,000 Deposit: Not for Every Baby

Here is where it gets more specific. Every qualifying child can open a Trump Account. But the $1,000 federal pilot deposit has a tighter window.

Your baby only gets the $1,000 deposit if they were born between January 1, 2025 and December 31, 2028. Babies born before or after that window can still open an account — they just will not receive the government's deposit.

Green Card Holders: A Common Confusion

This trips up a lot of families. A green card (permanent resident status) is not the same as citizenship. Your child must be a U.S. citizen to qualify. If your child has a green card but has not become a naturalized citizen, they are not eligible.

If your child is in the process of becoming a citizen, the account can be opened once citizenship is finalized and an SSN is issued.

What About the Dell Pledge?

On top of the $1,000 federal deposit, Michael and Susan Dell pledged $250 per child under 10 in ZIP codes where the median income is below $150,000. This is a private donation, separate from the government program. It goes into your child's Trump Account if they qualify.

Next Steps

If your baby qualifies, here is what to do:

1. Make sure your baby has a Social Security number. Apply at the hospital.
2. File IRS Form 4547 with your 2025 tax return (due April 15, 2026).
3. Check the eligibility checker if you are unsure.

For the full step-by-step process, read our How to Open a Trump Account guide. And visit the eligibility FAQ for more common questions.