How to Give with a CHET Account

Whether it's for birthdays, religious celebrations, graduations, holidays or just because, a gift to a Connecticut Higher Education Trust (CHET) account is an innovative and meaningful way to celebrate major milestones in a child's or loved one's life.

Contribute to a new CHET account

Contribute to an existing CHET account

Invite friends and family to contribute to my child's existing CHET account


How to contribute to a new CHET account

It’s easy to open a CHET account as a gift for a child or loved one.


Please select how you’d like to enroll:

  1. Enroll Online
    You can submit your initial contribution* electronically from your bank account or by sending a check deposit slip along with your payment.
  2. Download Enrollment Materials
    Download and print everything you need to open an account.
  3. Request Enrollment Kit
    Have enrollment materials mailed to you. Please allow five to seven days for delivery.

After you’ve opened the new account and made a contribution, download a Gift of Education Certificate and present it to your beneficiary. Insert it in a card, frame it or wrap it with a bow. It’s a great way to symbolize your gift. Then, going forward, you can choose to download other gift certificates for holidays or special occasions—whenever you want to symbolize your continued contributions toward that child’s future college education.

Please note: you will need to know the Social Security Number (SSN) or federal Taxpayer Identification Number (TIN) of the child or loved one you will be designating as the beneficiary before you can finalize the enrollment process.


How to contribute to an existing CHET account

If you would like to make a contribution* to an existing account, please follow these instructions.


  1. Download and complete a CHET Gift of Education Certificate
  2. Complete a check made payable to the Connecticut Higher Education Trust. Make sure the plan Gift Contribution Number** provided to you by the account owner is clearly indicated on the check.
  3. Make a copy of the CHET Gift of Education Certificate and the check and keep it for your records. You can mail your check directly to the CHET using one of the addresses indicated below:

    Connecticut Higher Education Trust
    PO Box 150499
    Hartford, CT 06115-0499

    Connecticut Higher Education Trust*
    30 Dan Road
    Canton, MA 02021
    *Use this address for overnight mail.
  4. If you prefer, you can also present the check with the Gift of Education certificate directly to your loved one. Then, the account owner can deposit the check into their account on your behalf.
  5. Symbolize Your Gift – Whether you send in the check directly to the CHET or to the recipient, be sure to present the completed Gift of Education Certificate to symbolize your gift—wrap it, frame it or place it in a card!

* The minimum contribution amount to a Connecticut Higher Education Trust account is $25. Contributions are permitted by personal checks (excluding starter checks, credit card convenience checks and counter checks), bank drafts, teller’s checks and checks issued by a financial institution payable to the account owner and endorsed over to the Plan, and third-party personal checks up to $10,000. Checks must be drawn on a U.S. banking institution and must be payable in U.S. dollars.

** The Gift Contribution Number* is the Account Number plus the four-digit investment option number. This number can be found on the account owners’ statement. To ensure the contribution is applied properly, the entire Gift Contribution Number is needed - both the four (4) digit number preceding the dash (investment option) and the set of numbers to the right (account number). If you do not have the Gift Contribution Number for the Connecticut Higher Education Trust account in which you would like to make your contribution, present your check to the account owner. The account owner will need to add the Gift Contribution Number to the check and submit the check to Connecticut Higher Education Trust on your behalf. Or, after the account owner adds the Gift Contribution Number to your check, you may mail it directly to Connecticut Higher Education Trust using the address above.

Important Notice: The Connecticut Higher Education Trust Plan (CHET) does not endorse or promote any third-party Web sites, referred to as “accommodators,” that provide services to facilitate contributions to a CHET account. These accommodators may charge fees in connection with their services. Neither the Connecticut State Treasurer's Office nor TIAA-CREF Tuition Financing, Inc. (TFI) has authorized any accommodator or other third-party Web site to promote or submit contributions to a CHET account. Anyone who chooses to contribute through these Web sites submits contributions at their own risk, and proper credit or investment to the account cannot be guaranteed or confirmed by TIAA-CREF Tuition Financing, Inc. (TFI) or the Connecticut State Treasurer's Office.



How to invite friends and family to contribute to my child's existing CHET account

If you would like to invite friends and family to contribute to an existing account, please follow these instructions.


  1. To start the process, first log into your CHET account. Once you are are logged in, you will see a link to egift on the Account Summary page. Simply follow the steps to:
  2. Select a ‘celebration’, or create a new customized occasion, for the email invitation. For example if it is your child’s birthday you can select a birthday invitation, or graduation, or a special holiday, etc.
  3. Enter the email address of the individual you would like to send the invitation to, such as a grandparent, aunt, uncle or friend.
  4. Indicate which existing investment option will receive the gift contribution. Many people only have one option, for example the age-based option, so that will be the only selection. If you have more than one investment option, you will need to decide which to deposit the gift into.
  5. Customize the content of the email. To make it easy, we provide a starting point for you for the email, then you can add any personalized content. For example you can add “Dear Uncle Michael, thank you for expressing interest in helping us save for Sarah’s college education!”
  6. Press send! An email will go to the recipient you specify. Once they receive it, there will be a link in the email that they click, and enter the amount of their gift and their bank account information. We will process the electronic payment into your CHET account, from their bank account.
  7. You as the account owner will receive a confirmation that a deposit was received, so you will know that the gift was made to your account.

It is that easy! Log in to your account above to get started.

* The minimum contribution amount to a CHET account is $25. Contributions are permitted by personal checks (excluding starter checks, credit card convenience checks and counter checks), bank drafts, teller’s checks and checks issued by a financial institution payable to the account owner and endorsed over to the Plan, and third-party personal checks up to $10,000. Checks must be drawn on a U.S. banking institution and must be payable in U.S. dollars.

Important Notice: The Connecticut Higher Education Trust Plan (CHET) does not endorse or promote any third-party Web sites, referred to as “accommodators,” that provide services to facilitate contributions to a CHET account. These accommodators may charge fees in connection with their services. Neither the Connecticut State Treasurer's Office nor TIAA-CREF Tuition Financing, Inc. (TFI) has authorized any accommodator or other third-party Web site to promote or submit contributions to a CHET account. Anyone who chooses to contribute through these Web sites submits contributions at their own risk, and proper credit or investment to the account cannot be guaranteed or confirmed by TIAA-CREF Tuition Financing, Inc. (TFI) or the Connecticut State Treasurer's Office.



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