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.
Most of the earth consists of water, there is much more water than there is land. About 70% of the earth's surface is covered in water. But water also exists in the air as vapour and in aquifers in the soil, as groundwater. The total water supply of the world is 1.400.000.000 km 3. (A m 3 of water equals 1,000 litres.).