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 3,100 mi3 (12,900 km3) of water, mostly in the form of water vapor, is in the atmosphere at any one time. If it all fell as precipitation at once, the Earth would be covered with only about 1 inch of water.