The only way that can work is if the mother has been appointed as a legal guardian by the courts because the daughter has been declared legally incompetant. She would have to provide court papers to support this. If it's the daughter's money that mom is simply trying to keep her from spending, sorry, she's of legal age and mom can't open an account in someone else's name.
If my parents opened an account in my name (I'm 29) the only reason they would have was to stick the income tax on the intrest to me, and trust me, I'd would not be too happy about that.
If mom's reason's are genuine concern for her daughter, suggest opening the CD with a 2 signatures required clause. That way the daughter cannot withdraw the funds without mom's signature as well.
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