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.
Quora. Dec 2016 about 71 percent of the earth's surface is water covered, and oceans hold 96. Water also exists in the air as water vapor, rivers and lakes, icecaps glaciers, ground soil moisture aquifers, even you your dog. Googleusercontent search. Over 68 percent of the fresh water on earth is found in icecaps and glaciers, just over 30 ground. The water in the world (pdf) united states environmental facts worldwide weighing earth's from space feature articles.