A: A prenote is a test transaction a banking institution uses to make sure the provided account information is valid before setting up an Automated Clearing House, or ACH, transfer, according to the N.C. Office of the State Controller. Prenotes are optional zero-dollar transactions frequently used for pre-authorizing payroll direct deposit.
The Phoenix Metropolitan Statistical Area (MSA) (officially known as the Phoenix-Mesa-Glendale MSA), is one of 10 MSAs in Arizona, and was the 14th largest in the United States, with a total population of 4,192,887 as of the 2010 Census.
There were approximately 77,000 people added to the population of the Phoenix metropolitan area in 2009, which was down significantly from its peak in 2006 of 162,000. Despite this slowing, Phoenix's population grew by 9.4% since the 2000 census (a total of 124,000 people), while the entire Phoenix metropolitan area grew by 28.9% during the same period. This compares with an overall growth rate nationally during the same time frame of 9.7%.