if the money is not significant it is not worth the trouble. if a lot money is involved then she should seek legal advice from a professional. we assume they have a joint account (otherwise her husband won't be able to withdraw the money). in this case, technically her husband has the authority to dispose whatever is in the account. however, the law does have some provision in dealing with such improper handling of joint asset. her best shot is to get legal advice to protect her own interest. if what she said is true (I mean no hidden story) then her husband is a little too mean. and it is probably beyond her to deal with such character.