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.
Water is distributed across earth. Most water in the Earth's atmosphere and crust comes from the world ocean's saline seawater, while freshwater accounts for only 2.5% of the total. Because the oceans that cover roughly 78% of the area of the Earth reflect blue light, the Earth appears blue from space, and is often referred to as the blue planet and the Pale Blue Dot. An estimated 1.5 to 11 times the amount of water in the oceans may be found hundreds of miles deep within the Earth's interior, a