created bank model and migrated db schema
added state and record_type columns to banks table, seeded database from FedACHdir.txt
removed address data from banks table, created separate address table for ease in creating json object in controller
reseeded db so all banks are linked to an entry in the address table
add updated_at and created_up columns to addresses table, json serialization properly formatted in banks#result
added whenever gem to schedule rake db:seed every day at 4:30 am
adds timestamps columns to addresses