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.
Saline water covers approximately 72% of the planet's surface (~3.6Ã10 km2) and is customarily divided into several principal oceans and smaller seas, with the ocean covering approximately 71% of Earth's surface and 90% of the Earth's biosphere.