The bottom line

With the app now live and the program launching July 4, families have time to get organized. Download the official app, confirm the Treasury deposit for eligible babies born 2025–2028, and consider how a small yearly contribution from grandparents could grow into a real financial gift by the time your grandchild reaches adulthood.

This article is for general information only and is not financial advice. Program rules may change; confirm details through official government sources or a qualified professional before acting.