US Federal Reserve banks handle most ACH transactions. An ACH is an electronic transfer of money from one's bank account to pay a business. ACH payments are frequently used by employers to deposit all employees' pay directly into their checking accounts.
About 71 percent of the Earth's surface is water-covered, and the oceans hold about 96.5 percent of all Earth's water. Water also exists in the air as water vapor, in rivers and lakes, in icecaps and glaciers, in the ground as soil moisture and in aquifers, and even in you and your dog.
But how much of Earth is waterâhow much water contributes to the actual mass of the planet? This includes not just the surface of the Earth, but inside as well. Scientists calculate that the total mass of the oceans on Earth is 1.35 x 1018 metric tonnes, which is 1/4400 the total mass of the Earth. In other words, while the oceans cover 71% of the Earth's surface, they only account for 0.02% of our planet's total mass.