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BILL-5586: Add descriptor_code support to bank account verification (#308)

* BILL-5586: Add descriptor_code support to bank account verification

Stripe updated microdeposit verification from two amounts to a single
6-character descriptor code. The Node SDK is a pass-through wrapper so
no model changes are needed — this adds fixture and test coverage for
the new path and exposes microdeposit_type in the BANK_ACCOUNT fixture.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

* Address PR comment: propagate callback errors to done() in new tests

* chore: bump version to 8.1.0

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

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Co-authored-by: Claude Sonnet 4.6 <noreply@anthropic.com>

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