A: A prenote is a test transaction a banking institution uses to make sure the provided account information is valid before setting up an Automated Clearing House, or ACH, transfer, according to the N.C. Office of the State Controller. Prenotes are optional zero-dollar transactions frequently used for pre-authorizing payroll direct deposit.
The Phoenix Metropolitan Statistical Area (MSA) (officially known as the Phoenix-Mesa-Glendale MSA), is one of 10 MSAs in Arizona, and was the 14th largest in the United States, with a total population of 4,192,887 as of the 2010 Census.
As of the Census Bureau's 2015 population estimates, Metro Phoenix had 4,574,351 residents, making it the 12th largest Metropolitan Area in the nation by population. The gross domestic product of the Phoenix Metropolitan Area was $215 billion in 2014, 15th largest amongst metro areas in the United States.