TL;dr Venmo is legit holding my money hostage. For the last two weeks, I've been getting the run around from Venmo because my bank account is flagged and thus, it can't be added to my Venmo account. Today I learned Venmo can't even override their own security system and manually add on my bank account. I could do "instant transfer" to my bank card, but I'm NOT going to reward Venmo with a transfer fee when their security system is flawed. Until Venmo adds manual system overrides, use Cash App.