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How can you tell if an account is not restricted (and thus can be used for purchases not eligible to restricted fund accounts)?

Restricted funds are governed by federal regulations, such as described in the A21 Regulation.

Account conventions used in CCB:

Account: A58-	Restricted?	Notes
3xxx 4xxx	Unrestricted	Enterprise accounts, etc.
5xxx 6xxx 7xxx	n/a	Not currently used
81 87 88	Unrestricted	Gifts, endowments
82	Restricted	Not generally used
83 84 85 86	Restricted	Federally sponsored funds

University-wide, looking at an account's "Sub group code" indicates if an account is restricted or not. That requires looking it up in Kuali, or the like.