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.
About 66% or 2/3 of the Earth is covered by water. The amount of Earth covered by water is exactly 71.13%. 70.78% of the Earth is covered in water. Land covers 29.22 percent of the Earth's surface. This is about 57.5 million square miles (149 x 106 square kilometers). Water covers the other 70.78 percent of the Earth's surface. This is about 139.4 million square miles (361 x 106 square kilometers).