How to Claim a Trump Account for a Newborn

A Trump Account for a newborn takes two separate actions. An authorized individual claims the account in the Trump Accounts app, and then the one-time $1,000 government contribution is elected by submitting Form 4547. The Working Families Tax Cuts created the Trump Account as a new type of individual retirement account (IRA) for eligible children. At New Parent Picks, we are an independent buying-guide site, not a testing lab, so we relay what the Internal Revenue Service (IRS) and the Social Security Administration (SSA) publish. This page covers both steps, who qualifies, what to gather first, and where to get help.

How to Claim the Account and the $1,000

Claiming the account and electing the $1,000 are two separate steps, and the second one does not happen automatically. Claim the account in the app first, then submit Form 4547 for the contribution. Do both even if the Secretary of the Treasury already opened an account for your child.

Work through these steps in order, with your child’s details at hand (the list is in “What to Have Ready Before You Start”):

1. Download the Trump Accounts app from the Apple App Store or Google Play.
2. Verify your identity and your authority to manage your child’s account.
3. Complete the steps to claim and activate the account. Form 4547 is not required for this step.
4. Submit Form 4547 and select the option for the $1,000 pilot program contribution. You can submit it through the Trump Accounts app, the Trump Accounts website, or your IRS Individual Account.

Both steps are yours to do. Starting October 1, 2026, the Secretary of the Treasury automatically enrolled eligible children in Trump Accounts. An account opened that way still has to be claimed before you can manage it.

Does Your Baby Qualify?

A child qualifies for a Trump Account if the child has a valid Social Security number and will not turn 18 before the end of the calendar year in which the account is established.

The $1,000 has a separate test. The federal government provides a one-time $1,000 contribution to eligible children who meet all three conditions:

• They are U.S. citizens.
• They were born from January 1, 2025 through December 31, 2028.
• They have valid Social Security numbers.

The birth window covers four calendar years: 2025, 2026, 2027, and 2028. Compare your baby’s date of birth against those dates.

The account and the contribution are different things. A child does not need to qualify for the $1,000 to have an account. The sources this page relies on do not publish contribution limits, investment rules, fees, withdrawal rules, tax treatment, or employer contributions. This page does not say whether a Trump Account suits your family. The IRS Trump Accounts page and the Trump Accounts Help Center answer those, and this site does not.

What to Have Ready Before You Start

The IRS page lists the information needed to claim. Gather these four items before you open the app or fill out Form 4547:

• Your name and identifying information.
• Your child’s legal name.
• Your child’s Social Security number.
• Your child’s date of birth.

Make sure everything you enter matches Social Security Administration records. The IRS page says matching records help you avoid delays.

Where This Fits in the First-Weeks To-Do List

The Trump Account claim belongs in the paperwork part of your new baby checklist. Work through these items roughly in this order:

1. Apply for your baby’s Social Security number. SSA said it would help states change those hospital forms so that Trump Account information is included.
2. Once your baby has a valid Social Security number, you have one of the required details for the claim.
3. Claim the account in the Trump Accounts app.
4. Submit Form 4547 to elect the $1,000 contribution.

This page covers only the paperwork. For the rest of the first-weeks list, use the hospital bag checklist to pack your bag, the newborn essentials checklist for supplies, and the baby registry checklist for what to add to your registry.

What SSA Says About Newborn Card Mailers

On July 3, 2026, SSA announced that future Social Security card mailers for newborns will include information about Trump Accounts and ways to open one. The same announcement said SSA would update guidance for hospitals.

This page does not describe what a card mailer contains today. The announcement covers future mailers. A mailer is not required to claim. The account is claimed in the app, and Form 4547 is not part of claiming it.

Where to Get Help

Three sources answer questions this page does not:

• The Trump Accounts Help Center, at 866-USA-4547.
• Program information at trumpaccounts.gov.
• The IRS frequently asked questions page on Trump Accounts, which covers IRS notices and correcting an election.

Frequently Asked Questions

How to claim a Trump Account for a baby?

Download the Trump Accounts app, verify your identity and your authority to manage the child’s account, and then complete the steps to claim and activate it. Claiming is a separate step from electing the $1,000, which you do by submitting Form 4547. Even if Treasury opened the account automatically, you must claim it before you can manage it.

Do I have to apply for the $1,000 separately?

Yes. You must elect the $1,000 contribution even if Treasury automatically opened the account. Submit Form 4547, select the option for the $1,000 pilot program contribution, and use the Trump Accounts app, the Trump Accounts website, or your IRS Individual Account.

Which babies get the $1,000?

Eligible children are U.S. citizens, were born from January 1, 2025 through December 31, 2028, and have valid Social Security numbers. A child does not need the $1,000 to have a Trump Account, so the account test and the contribution test are separate.

Do I need the Social Security card to claim?

A valid Social Security number is required, and your details must match Social Security Administration records to avoid delays. The IRS page does not list the physical card or a card mailer among the things you need. The IRS Trump Accounts page lists the information needed to claim, so use that list as the reference. Do not wait for a card mailer, because a mailer is not required to claim.

Where do I get help?

Call the Trump Accounts Help Center at 866-USA-4547, read program information at trumpaccounts.gov, or start from the IRS Trump Accounts page for IRS notices and correcting an election. Questions about contributions, investments, fees, withdrawals, or taxes belong to the IRS page and the Help Center. This site does not answer them.

Last Updated

This page was checked on 2026-10-22 against the IRS Trump Accounts page, last reviewed October 21, 2026, and the Social Security Administration announcement dated July 3, 2026. Rules can change. Before you submit anything, reread the claim steps on the IRS Trump Accounts page.

Sources

1. IRS Trump Accounts page (irs.gov)