‘I received an insurance-claim check for $22,000’: Why does it take five days for my check to clear?

“I received an insurance-claim check for $22,000. Other than verifying the availability of the funds, what’s happening that requires five days?”

‘I received an insurance-claim check for $22,000’: Why does it take five days for my check to clear?
“I received an insurance-claim check for $22,000. Other than verifying the availability of the funds, what’s happening that requires five days?”