Just remember, if you absolutely need your Lock Money immediately, you have the option to use the player to player feature to trade with other players who will send you funds via many different options, BofA, GreenDot, NetSpend, several others. The only problem is you generally have to give up 50%/60% of your funds as a fee/vig to get it done.
In the alternative, if you want funds on Lock, you can trade with someone who is trying to get them off, and receive 100%+ more than you put up (you have $100 you get $200+)