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.
Phoenix is in the southwestern United States, in the south-central portion of Arizona; about halfway between Tucson to the southeast and Flagstaff to the north. By car, the city is approximately 150 miles (242 km) north of the US-Mexico border at Sonoyta and 180 miles (290 km) north of the border at Nogales.