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.
Oceans cover about 70 percent of the Earth's surface and about 97 percent of all water on and in the Earth is salineâthere's a lot of salty water on our planet. By some estimates, if the salt in the ocean could be removed and spread evenly over the Earthâs land surface it would form a layer more than 500 feet (166 meters) thick, about the height of a 40-story office building (NOAA).