On the other hand, if you've been paying out to this beneficiary, he or she would likely miss that income stream at some point and may even recall whence it came, and contact the bank to reestablish the connection.
I thing the point here is that you have to continue issuing the RMDs, but I second Randy's suggestion that legal counsel may need to be consulted concerning the bank's having made payments to a minor.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8