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Is it a scam if someone charges a fee to claim the $1,000?

Short answer

Yes. Signing up is free. Use only trumpaccounts.gov and IRS.gov.

Rules differ by state. This is general information, not legal or professional advice.

See every step in 1 minuteTrump Accounts: which kids get the $1,000 and how to sign up

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Official sources

TrumpAccounts.gov: official sitetrumpaccounts.gov
IRS: Form 4547, Trump Account Election(s)irs.gov
IRS: Form 4547 instructionsirs.gov