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 water â i.e. how much water contributes to the actual mass of the planet? This includes not just the surface of the Earth, but inside as well. In terms of volume, all of the water on Earth works out to about 1.386 billion cubic kilometers (kmÂ³) or 332.5 million cubic miles (miÂ³) of space. But in terms of mas, scientists calculate that the oceans on Earth weight about 1.35 x 10 18 metric tonnes (1.488 x 10 18 US tons), which is the equivalent of 1.35 billion trillion kg, or 2976 trillion trillion pounds.