Wife has taken our business money and started her own personal account, without me having access to use the funds to pay bills. What is my recourse?

If you are having marital difficulties, your probable remedy to your wife taking business money without your consent would be to file an action for legal separation or possibly divorce, depending on how bad things are between you. The court can hold a hearing and make her provide an allocation back to you of the funds taken or perhaps, even make her place the money back from where she took it.