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.
If the water above ground, saline and freshwater, on Earth is measured by volume, the total volume would cover about 1,064 miles in diameter and more than 335,000,000 cubic miles. The third greatest source of water, after (1) oceans and seas and (2) icecaps and glaciers, is ground water, or aquifers.