A few points.
I’ve used BofA for 20+ years.
I’ve never seen a $100 hold for a debt card transaction getting gas or anything else ever.
If you deposit a check that check isn’t normally processed until late that night on business days. If the check is for a large amount or is drawn on a distant bank it can take longer. Big shock... If you absolutely have to have the check cash now, take it into the bank and talk to a teller to get it credited immediately or go to the issuing bank and get it cashed.
If you use a debt card it is the same as cash to the bank. It is normally taken out at the time you use it. Why would you expect a float, it isn’t a credit card.
To expect a check to be credited the same day before any charges you make immediately following the deposit is just plain foolish. Basic common sense can’t be forced by government regulation.
I did use BoA and they were one of the worst dirty trick banks I ever dealt with. Running your checks first then crditing your money, stacking checks to maximize overdrafts, putting numerous Holds on money with no warning.
If you were never hit with this crap, you are definitely in the minority.