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.
EARTH'S OCEANS Oceans cover about 70% of the Earth's surface. The oceans contain roughly 97% of the Earth's water supply. The oceans of Earth are unique in our Solar System. No other planet in our Solar System has liquid water (although recent finds on Mars indicate that Mars may have had some liquid water in the recent past).