Failed ACH transactions don't seem to mark failed correctly

[jonathanstegall]

When there's a recurring donation with ACH and then it starts to fail, the app does not appear to mark those opportunities as Failed. At least not as consistently as it should.

Maybe we need to look for this error:

{
  "error": {
    "code": "bank_account_unusable",
    "doc_url": "https://stripe.com/docs/error-codes/bank-account-unusable",
    "message": "You cannot use this bank account because previous attempts to deliver payouts to this account have failed. Please double-check the account details, and contact us via https://support.stripe.com/contact if you think this is in error.",
    "type": "invalid_request_error"
  }
}

[jonathanstegall]

It's not clear how to test for this since we can't add a broken bank account.