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.
ANSWER: The surface area of the earth is about 200 million square miles and about 70% is water, so 140 million square miles; that is about 3.6x1014 m2. The diameter of a water molecule is about 3 angstroms=3x10-10 m. So the volume is 11x104 m3 which is about 30 million gallons.