Update balanced gems

Close #201, close #202, close #203 and close #207
Remove if statement hiding bankaccount [close #212]
Refactor welcome and notification workers
Create specs for category model
Fix error when persistent_warnings is been used on engine
Use #let! on category model spec
Remove if statement on welcome and notification worker
Merge pull request #213 from neighborly/jl-unhide-bankaccount

Remove if statement hiding balanced bank account
Merge pull request #214 from neighborly/jl-refactor-worker-specs

Refactor welcome and notification workers
Merge pull request #215 from neighborly/jl-category-specs

Create missing specs for category model
Update child gems
Merge branch 'master' into im-new-authorization-process