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.
How much water is that? It's roughly 326 million cubic miles (1.332 billion cubic kilometers), according to a recent study from the U.S. Geological Survey. Some 72 percent of Earth is covered in water, but 97 percent of that is salty ocean water and not suitable for drinking.There's not a lot of water on Earth at all, said David Gallo, an oceanographer at the Woods Hole Oceanographic Institution (WHOI) in Massachusetts.Oceans create a water layer spanning 15,000 miles (24,000 kilometers) across the planet at an average depth of more than 2 miles (3.2 km).If you poured all of the world's water on the United States and could contain it, you'd create a lake 90 miles (145 km) deep.ceans create a water layer spanning 15,000 miles (24,000 kilometers) across the planet at an average depth of more than 2 miles (3.2 km). If you poured all of the world's water on the United States and could contain it, you'd create a lake 90 miles (145 km) deep.