water that sits or flows above the earth. including lakes. oceans. rivers. and streams (contrast with groundwater).
surface water (Wikipedia)

Image of the entire surface water flow of the Alapaha River near Jennings, Florida going into a sinkhole leading to the Floridan Aquifer groundwater.
Surface water is water on the surface of continents such as in a river, lake, or wetland. It can be contrasted with groundwater and atmospheric water.
Non-saline surface water uses is replenished by precipitation and by recruitment from ground-water. It is lost through evaporation, seepage into the ground where it becomes ground-water, used by plants for transpiration, extracted by mankind for agriculture, living, industry etc. or discharged to the sea where it becomes saline.