Pasco County sheriff's investigators accused Theresa M. Stanley-Morgan, 41, of getting the older woman to smoke the drug at least twice to make it easier to exploit her financially.
Stanley-Morgan was arrested April 28. She admitted to investigators that she used Shirley Hathaway's name, birth date and Social Security number to open the account, a sheriff's report said.
Hathaway and a witness told investigators that Stanley-Morgan forced Hathaway to smoke a lit crack pipe, the report said.
Stanley-Morgan was in jail Monday on $23,000 bail, charged with criminal use of personal identification, use of another person's ID without permission and retail theft, according to jail records. Records did not indicate if she had a lawyer.
The sheriff's office said more charges were pending and asked the court not to reduce her bail.