The headline feature of the Trump Account program is a one-time $1,000 refundable tax credit deposited directly into a qualifying child’s account by the U.S. Treasury. It is the mechanism closest to what proponents of so-called “baby bond” policies have long proposed—a government seed investment in a child’s long-term financial future. Who Qualifies Eligibility is narrow and time-limited. The child must: Be a U.S. citizen Have a work-authorized Social Security number Be born between January 1, 2025, and December 31, 2028 Households must actively elect to receive the contribution.