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.
At the last census in 2010, Phoenix had a population of 1.445 million. In 2013, this population is now estimated at 1.6 million in the city proper, which pushed it to the 5th most populous city in the US from 6th. During 2012, Phoenix increased its population by 1.7%. It's believed sometime in 2013, Phoenix passed Philadelphia in population. The Phoenix metropolitan area, meanwhile, is believed to have surpassed 4.3 million sometime in 2012, and it's now the 13th largest metropolitan area in the country. In 2010, the Phoenix area was 13th with a metro population of 4.19 million.