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.
After all, we live on land. But our world is a water world. The ocean covers 70% of Earth's surface. The average depth of the ocean is about 2.7 miles. In some places, the ocean is deeper than the tallest mountains are high! The ocean contains about 97% of all the water on Earth. The ocean plays a starring role in whatever happens with the environment.