@Hal_Al
That’s kind of why I was getting out the reason for the establishment of the account. After my mother passed away, my father made me a joint owner of his main checking account. This was mainly for financial management purposes and there was no intention either by me or him, that I would be spending the money.
However in this case, the account was newly established for some purpose. I would say that if the intention is that the money belongs to the daughter for the daughter‘s free use, then it is a gift now even if the daughter has not withdrawn it. If it was a gift to a minor for investment purposes, or something else, we would need more information.
