Backgrounds
Any background works for the surface raised, assuming that the background is available by geography or race.
For Aquatic raised characters, the options are fairly narrow, and may need adjustments especially in regards to equipment provided.
None from Saltmarsh work for Aquatics.
Only two from Sword Coast Adventurer's guide really work well for Aquatics:
City Watch works well enough for Tritons, and Inheritor works for anyone.
Most PHB Backgrounds work fairly well, but some may be limited by race. Sailor/Pirate doesn't apply to Aquatics at all, and the only major city is Old Atlantis (which limits Urchin, and, probably, Charlatan). For now things are case by case, as vetting the minutae of each one will take some time. I'll do it as it comes up, for now.