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There are automatic restraining orders that go into effect when a petition for divorce is filed and served; please see:
These restrict the parties from transferring assets, or closing out accounts for example.
However, up until that time, either party may access the funds.
That does not mean there is no recourse. For example, during the divorce proceeding the court may distribute marital property in an equitable manner; if they determine that one party accessed funds and restricted the other party's access the court can take than into consideration and use it to offset that party's interest in other marital property. The court can also order the return of the money as well.
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