Yes, but the difference is, your daughter is a legal American. If she was an illegal alien, things would be entirely different. I don't mean to be snide, that is just the way it is.
One of the threads on the Matriculas Consulares has been pulled. I am still looking. Maybe another FReeper can help us out.
I'm proud of you and your daughter for opening an account. I bet she is really happy.
I have to admit that our banker didn't mention non citizens, so you're probably right. That's the way these traitors in Congress write their legislation.