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.
An ocean (from Greek , okeanos Oceanus) is a major body of saline water. The ocean covers 71 percent of the Earth's surface and contains 97 percent of the planet's water, yet more than 95 percent of the underwater world remains unexplored. The ocean and lakes play an integral role in many of the Earth's systems including climate and weather.