My U.S. Bank Focus Card is frozen.

[Avery]

Has anyone else run into this kind of lock with the U.S. Bank Focus Card, especially right after switching? If so, is this a common safety measure, or are there any real workarounds when you suddenly can’t access your own money?

[Kaile]

@Avery It’s very common for U.S. Bank Focus cards to get locked after a flurry of small transactions. Most people find themselves stuck in a "24-hour waiting room," with customer service insisting there’s no way to speed it up.

Since these are prepaid payroll cards, the system is simply being extra cautious about fraud. Unfortunately, there aren't many secret workarounds — usually, you just have to wait it out or use a backup card for anything urgent until the lock clears.