Balanced Ruby Bank Account Invalidates

invalid.rb

require 'balanced'

host = ENV.fetch('BALANCED_HOST') { nil }
options = {}
if host
  options[:scheme] = 'http'
  options[:host] = host
  options[:port] = 5000
end

api_key = Balanced::ApiKey.new.save
Balanced.configure( api_key.secret, options)
marketplace = Balanced::Marketplace.new.save

bank_account = marketplace.create_bank_account(
    :account_number => "1234567890",
    :bank_code => "12",
    :name => "Jack Q Merchant",
)

merchant = marketplace.create_merchant(
    :email_address => "merchant@example.org",
    :merchant => {
      :type => "person",
      :name => "Billy Jones",
      :street_address => "801 High St.",
      :postal_code => "94301",
      :country => "USA",
      :dob => "1842-01",
      :phone_number => "+16505551234",
    },
    :bank_account_uri => bank_account.uri,
    :name => "Jack Q Merchant",
)

bank_account = merchant.bank_accounts[0]
raise "wtf" if not bank_account.is_valid
bank_account.save()
raise "wtf" if not bank_account.is_valid