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.
The Earth's atmosphere is ideal for supporting life. Most of the Earth's surface is covered with water. From the sky, the Earth appears blue. Earth is the only inner planet in our solar system that has liquid water on its surface. Seventy percent of the Earth's surface is covered with water. Mountains, volcanoes, deserts, plains, and valleys cover the remaining 30 percent. Earth has an atmosphere made up of many different gases.