Use new class BankAccountVerification when refering to Balanced internals
Change spec/dummy submodule to neighborly/crowdfunding repo
Update spec/dummy
Upgrade RUby
Deactivate spring

Given to an opened issue, Spring has problems loading applications
inside a Rails Engine. https://github.com/rails/spring/issues/323
Merge pull request #99 from neighborly/im-change-verification-class-name

Use new class BankAccountVerification when refering to Balanced internals