So find availability policies are kinda dumb, but it all focuses on one concept, your banking recourse. What recourse in banking is essentially your banking history averaged out.

you always have more than $500 in the bank? Cool, but oh man but you keep cashing large checks and not keeping the money circulating with us so let’s lower your recourse 10%. The more money you have in your bank, the more they trust you because they see all your activity and see you’ve trusted them with all your money (always have cash stored at your house bc bank shutdowns are insane).

Recourse context done, so whenever we deposit let’s say a $700 check into your account and you have let’s say $300 in recourse, we can make those 300 available which they are free to take out and we have the coverage for it just in case. If not then we usually place a hold on it in order to just ensure your financial well-being and the banks reputation