Integrate Balanced bank account payments

Since we are merging https://github.com/neighborly/neighborly/pull/23 with balanced credit card today, I'm extracting the bank account todo list.

### References
- https://www.balancedpayments.com/
- https://docs.balancedpayments.com/current/?language=ruby
- https://github.com/balanced/balanced-ruby

### Concerns
- Checkout process for contributors should be basically the same as the current system, all on site.
- We will have payments in more than one place.

### TODO
- [ ] In order to transfer project contributions to project owner, create a detailed project financial report.
- [x] Store bank account processing fees in database.
- [x] Require user to be logged in on bank account engine.
- [x] Check the time for `cancel_expired_waiting_confirmation_contributions`
- [x] Check the time for `move_pending_contributions_to_trash`