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Look at your memory card. SD cards have a slide switch along one edge. The position farthest from the metal contacts locks the card, protecting it from writes. The position nearest the contacts unlocks the card.
It's a lost cause. The A540 works with SD cards. While SDHC cards will fit into the slot, they are electronically incompatible and will not work in devices not designed for them. You need to stay with SD cards, 2GB and smaller.
There are several possible causes for "memory card locked", "memory card error", or "no memory card". The most common is trying to use a 4GB or higher SDHC card with an older camera made before SDHC format came out. Other causes include problems with the tiny slide switch on the side of the card, or the electrical contact switch internal to the camera. The problem may also arise from simple formatting problems if the card has never been formatted in the camera (note that this will also erase the card). Troubleshooting tips for this problem may be found at this link.
SD memory cards have a little switch on the card that can write protect or "lock" it. Take the card out of the camera and check this switch. To unlock it, it should be moved towards the edge of the card which has the electrical contacts.
Cards are coming in different formats and it might be possible that you brought a card which is not suitable or functional with your camera. The other reason could be that we are having options to lock our memory card in digital camera and you might have taken out your earlier card without unlocking it. The system might be broken from inside and this could be a reason that you are still getting a message that memory card is locked. It seems possible based on problem you are sharing.
Remove the SD card from the camera. Slide the tiny switch on the side of the card to its other "unlocked" position. Reinsert the card in the camera. But if you've already tried this, see this link for additional things that you can try.
I had the same problem with my powershot and with the batteries going bad super fast. The way to fix it is to empty your memory card of all pictures then put it back in the camera blank. That should take care of the problem and should pro;long your battery life as well.
Let's work on the camera first.
1) Turn the camera off and remove the battery and the card.
2) Put the battery back in without the card and turn it on.
3) Turn the camera off and insert the CF card.
4) Turn the camera back on again.
See if that takes the message away.
If it doesn't leave me a comment and we go to step 2.
If it does, thanks for coming to FixYa.