If there is a custodial account where you are the custodian for a bank account all decisions must be made by you concerning the account. It seems improper for the bank to allow the beneficiary to open up a line of credit as to the custodial account to draw from without your approval in writing.I would speak to the branch manager about this situation and if you do not receive a satisfactory response, speak with his or her supervisor. You might also need to consult with an attorney familiar with banking law.The bank cannot legally come after you for the money drawn by the beneficiary because you did not pull it out.