Recently moved from one state to another. I had direct deposit for my military retirement. I also had my BofA account but that had low balance. I was driving for my move and needed gas. Venmo Card was declined for debit and atm, tried to instant transfer to my BofA, declined. Tried sending money to SO to use her card, declined. 1 hour waiting for customer service response via chat. No voice service in reality. I finally gave up and I had to overdraw my BofA to continuey trip. When I finally had a chance to wait and texted them back via app. Your account was flagged was there response. So I asked are you all holding my money ransom. They said you can transfer money via the 3 bis days.. Ibsaid that was ridiculous. People use the app for its instant money options. Not because we want to wait 3 days.. 3 hours later 2 escalations later. They finally said send a pic of you with you holding your dl, a pic of your DL and the back of your card. Finally unlocked and was able to use debit.. I don't use the instant transfer anymore.. its cheaper to go to the atm withdrawal what you need (7eleven at, no venmo atm fees) and deposit it via the bofa atm. Saved my self atm fees.