The Illinois Uniform Transfers to Minors Act places the duty of closing out the account on the custodian, who “shall transfer in an appropriate manner the custodial property (to the extent that it has not been used pursuant to this Act) to the minor or to the minor’s estate.” 760 ILCS 20/21. The bank may wish to contact a custodian and inform him or her of this obligation if a former minor requests access to an account. We would not recommend that the bank unilaterally provide the former minor with direct access to the account, since it is still a custodian account.