BankAccount.php

<?php
/**
 * There is a bunch of things we could do here. I would suggest at a minimum we have 
 * * account name
 * * institution //Name of the bank
 * * routing //local routing key, routing or sort code 
 * * account number
 * * international routing //SWIFT routing key 
 * * IBAN //http://en.wikipedia.org/wiki/International_Bank_Account_Number
 * * customer[] //customers details 
 * 
 */

/**
 * This class will act a lot like the CreditCard class
 */
class BankAccount 
{
  protected $parameters;
  
  public function __construct($parameters = null)
  {
        $this->initialize($parameters);
  }
  
  public function initialize($parameters = null)
  {
        $this->parameters = new ParameterBag;
        Helper::initialize($this, $parameters);
        return $this;
  }
}

BankGateway.php

<?php

class AbstractBankGateway
{
  public function createAccount();
  
  public function deleteAccount();
  
  public function collect();
  
  public function voidCollect();
  
  public function deposit();
  
  public function voidDeposit();
  
  public function supportsFees(); //Probably not a necesity, but I'd like to be able to collect fees
  
}

example.php

<?php

$gateway = Omnipay::create('stripe');
$gateway->setApiKey('11111111');
  
//Charging a customer.
$token = $_POST['stripeToken'];
$response = $gateway->purchase(['amount' => '10.00', 'currency' => 'USD', 'token' => $token])->send();

/**
 * We can share keys and tokens and reply 
 * in a nice way if it doesnt exist 
*/
$bankGateway = $gateway->getBankGateway(); 


$newAccount = new BankAccount([
    'account_name'  => 'Savings Account',
    'institution'   => 'mega corp',
    'routing'       => '00-00-00', //Sortcode
    'account_number'=> '00011100'
  ]);

$bankGateway->createAccount($newAccount);

//Oh.. maybe this should be part of the gateway.
$response = $bankGateway->collect([
  'amount'  => '10.00',
  'account' => $newAccount
  ])->send();
  
//So could this - if every action had an opposite. 
$response = $bankGateway->deposit([
  'amount'  => '15.00',
  'account' => $newAccount,
  'fees'    => '5.00'
  ])->send();

//This is an example of something that isnt possible in the current API
// However, we could do it with a charge & payout.
$response = $bankGateway->initiateTransfer([
  'amount' => '10.00',
  'source' => $oldAccount,
  'destination' => $newAccount,
  'fees' => '1.00'
  ])->send();
  
$response = $bankGateway->deleteAccount([
  'account' => $oldAccount
  ])->send();