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.
by Jerry Coffey on February 18, 2009. The surface area of the Earth is 510 million square kilometers or 5.1Ã10 8 km 2. The Earth is a water heavy planet, so, if you break its surface area into water and land segments, it would look like this: land 149 million km 2, water 361 million km 2.