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.
Unlike other planetâs in our Solar System, the vast majority of Earth is covered in liquid water, about 70% of the surface â or 361.132 million kmÂ² (139.43 million sq mi) to be exact. The surface of Mars is dry, dusty, and covered in dirt that is rich iron oxide (aka. rust, leading to its reddish appearance).