Treasury Child Savings Accounts Offer $1,000 Deposit
Parents of children born through 2028 can now access government-backed investment accounts for their families.
Updated on Oct. 26, 2026 in Retirement Planning
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The U.S. Treasury launched the Trump Accounts program following the 2025 One Big Beautiful Bill Act to provide tax-advantaged investment accounts for children under 18. Eligible U.S. citizens born between 2025 and 2028 receive a $1,000 deposit from the Treasury.
Why it matters
This program establishes a new, tax-advantaged vehicle for families to build savings for children by investing in American companies. It creates a structured path for early-life wealth accumulation through both government and private funding contributions.
The program provides a $1,000 one-time deposit for eligible children, with an additional $250 boost funded by a $6.25 billion pledge from Michael and Susan Dell. Families may contribute up to $5,000 annually per child toward these investments.
The players
U.S. Treasury
The federal agency that administers the Trump Accounts program and facilitates child savings.
Michael and Susan Dell
Private donors who pledged $6.25 billion to supplement government deposits for children.
Robinhood
A financial services company that partnered with the Treasury to develop the program's mobile application.
BNY
A financial institution that assisted the Treasury in the development of the account infrastructure.
The details
Parents manage these custodial accounts by submitting IRS Form 4547 to enroll their children. Once opened, funds are automatically invested in American companies, with the accounts remaining under parental custody until the beneficiary reaches age 18. Growth projections are available on the program website based on historical market averages.
Timeline
January 1, 2025 marks the start of eligibility for the $1,000 Treasury deposit.
The One Big Beautiful Bill Act passed in 2025.
December 31, 2028 is the final date of eligibility for the $1,000 deposit.
Money Landscape
The Trump Accounts program represents a significant federal shift toward universal child investment vehicles. It sits within a landscape of government-sponsored savings initiatives designed to encourage long-term wealth accumulation for the next generation.
Eligible parents should ensure they have submitted IRS Form 4547 to access the government and donor-funded deposits. Families should consult with a financial professional to understand how annual contributions interact with other household savings goals.
The takeaway
The Trump Accounts program offers a new avenue for families to leverage federal and private support to build assets for children. Parents should track account growth milestones and monitor their annual contribution limits to stay within the $5,000 cap.
Further reading
Learn more about strategies for your family in our guide to Retirement Planning.
More information
Review eligibility requirements and enrollment procedures on the official government program website.
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Should the federal government provide investment accounts to all American children to promote long-term savings?
