I have heard that SBA wants to see the funds sit in a location for 2 months before they are used in a transaction. Can the funds exist in an account for 2 months, and be transferred to another account just prior to use without issue? Both accounts would be mine.

More Context
Currently I have my cash in a high yield FDIC insured account that has limits on the type of transactions the owner can perform. Basically, I can't write checks or wire from that high yield account, the funds would need to be transferred to my main checking account so a check/wire can happen. I just don't know if that is acceptable for the SBA, even if it's fully transparent.