<human>: Can you summarize the given text in a few sentences?

Background: So here is the deal, I went online to check my credit card statement because of I have an alarm that triggers when X amount is spent.  My CC is tied to the same bank that my ex-wife and I set up our 2 kids savings account.  So when I went to look at my statement I noticed that the kids accounts were low, I mean really low.  

I started investigating and I discovered large withdrawals starting in early 2015.  I texted her asking if she knew anything about these withdrawals, and if not we have a problem.  She said she did those.  I asked her if there were large kid expenses  that she didn't tell me about.  She said some but mostly for bills and prepping the house for sale, but she was going to pay them back.  She has pulled out 2K per account so total of 4K from both accounts.  I've since closed both accounts and reopened new ones in just my name so that she can't pull any more money out.

She has a 6 figure job, 15+K in child support, a credit card to put kid expenses that I pay for.  So she is not hurting for money.

So options:

1.  Have a note drawn up with a payment plan where she will pay the kids back the money she took

2.  Let her open savings account under her name for the kids and she can put money in those. (not a fan of this one)

3.  Just forget that she will ever pay it back and move forward.

So redditors what should I do?  I'm pretty upset that she viewed the kids savings account as her personal piggy bank to make withdrawals when she needed it.
<bot>: ex-wife took money from kids savings account like it was her own piggy bank.  What should I do?