diff --git a/src/BankAccount.php b/src/BankAccount.php
new file mode 100644
index 00000000..2109f73f
--- /dev/null
+++ b/src/BankAccount.php
@@ -0,0 +1,601 @@
+<?php
+/**
+ * Created by PhpStorm.
+ * User: daniel
+ * Date: 8/17/14
+ * Time: 1:33 PM
+ */
+
+namespace Omnipay\AuthorizeNet;
+
+use DateTime;
+use DateTimeZone;
+use Omnipay\Common\Exception\InvalidCreditCardException;
+use Symfony\Component\HttpFoundation\ParameterBag;
+use Omnipay\Common\Helper;
+
+/**
+ * Bank Account class
+ */
+class BankAccount
+{
+
+    const ACCOUNT_TYPE_CHECKING = "CHECKING";
+    const ACCOUNT_TYPE_BUSINESS_CHECKING = "BUSINESSCHECKING";
+    const ACCOUNT_TYPE_SAVINGS = "SAVINGS";
+
+    /**
+     * @var \Symfony\Component\HttpFoundation\ParameterBag
+     */
+    protected $parameters;
+
+    /**
+     * Create a new CreditCard object using the specified parameters
+     *
+     * @param array $parameters An array of parameters to set on the new object
+     */
+    public function __construct($parameters = null)
+    {
+        $this->initialize($parameters);
+    }
+
+    /**
+     * Initialize the object with parameters.
+     *
+     * If any unknown parameters passed, they will be ignored.
+     *
+     * @param array $parameters An associative array of parameters
+     *
+     * @return $this
+     */
+    public function initialize($parameters = null)
+    {
+        $this->parameters = new ParameterBag;
+
+        Helper::initialize($this, $parameters);
+
+        return $this;
+    }
+
+    public function getParameters()
+    {
+        return $this->parameters->all();
+    }
+
+    protected function getParameter($key)
+    {
+        return $this->parameters->get($key);
+    }
+
+    protected function setParameter($key, $value)
+    {
+        $this->parameters->set($key, $value);
+
+        return $this;
+    }
+
+    /**
+     * All known/supported bank account types, and a regular expression to match them.
+     *
+     *
+     * @return array
+     */
+    public function getSupportedAccountType()
+    {
+        return array(
+            static::ACCOUNT_TYPE_CHECKING,
+            static::ACCOUNT_TYPE_BUSINESS_CHECKING,
+            static::ACCOUNT_TYPE_SAVINGS
+        );
+    }
+
+    /**
+     * Validate this bank account. If the bank account is invalid, InvalidArgumentException is thrown.
+     *
+     */
+    public function validate()
+    {
+        if (!in_array($this->getBankAccountType(), $this->getSupportedAccountType())) {
+            throw new \InvalidArgumentException('The bank account type is not in the supported list.');
+        }
+    }
+
+
+    public function getAccountNumber()
+    {
+        return $this->getParameter('accountNumber');
+    }
+
+    public function setAccountNumber($value)
+    {
+        // strip non-numeric characters
+        return $this->setParameter('accountNumber', preg_replace('/\D/', '', $value));
+    }
+
+    public function getNumberLastFour()
+    {
+        return substr($this->getAccountNumber(), -4, 4) ?: null;
+    }
+
+    public function getRoutingNumber()
+    {
+        return $this->getParameter('routingNumber');
+    }
+
+    public function setRoutingNumber($value)
+    {
+        // strip non-numeric characters
+        return $this->setParameter('routingNumber', preg_replace('/\D/', '', $value));
+    }
+
+    public function getBankAccountType()
+    {
+        return $this->getParameter('bankAccountType');
+    }
+
+    public function setBankAccountType($value)
+    {
+        return $this->setParameter('bankAccountType', $value);
+    }
+
+    public function getBankName()
+    {
+        return $this->getParameter('bankName');
+    }
+
+    public function setBankName($value)
+    {
+        return $this->setParameter('bankName', $value);
+    }
+
+    public function getFirstName()
+    {
+        return $this->getBillingFirstName();
+    }
+
+    public function setFirstName($value)
+    {
+        $this->setBillingFirstName($value);
+        $this->setShippingFirstName($value);
+
+        return $this;
+    }
+
+    public function getLastName()
+    {
+        return $this->getBillingLastName();
+    }
+
+    public function setLastName($value)
+    {
+        $this->setBillingLastName($value);
+        $this->setShippingLastName($value);
+
+        return $this;
+    }
+
+    public function getName()
+    {
+        return $this->getBillingName();
+    }
+
+    public function setName($value)
+    {
+        $this->setBillingName($value);
+        $this->setShippingName($value);
+
+        return $this;
+    }
+
+    public function getStartMonth()
+    {
+        return $this->getParameter('startMonth');
+    }
+
+    public function setStartMonth($value)
+    {
+        return $this->setParameter('startMonth', (int) $value);
+    }
+
+    public function getStartYear()
+    {
+        return $this->getParameter('startYear');
+    }
+
+    public function setStartYear($value)
+    {
+        return $this->setYearParameter('startYear', $value);
+    }
+
+    /**
+     * Get the card start date, using the specified date format string
+     *
+     * @param string $format
+     *
+     * @return string
+     */
+    public function getStartDate($format)
+    {
+        return gmdate($format, gmmktime(0, 0, 0, $this->getStartMonth(), 1, $this->getStartYear()));
+    }
+
+    public function getIssueNumber()
+    {
+        return $this->getParameter('issueNumber');
+    }
+
+    public function setIssueNumber($value)
+    {
+        return $this->setParameter('issueNumber', $value);
+    }
+
+    public function getBillingName()
+    {
+        return trim($this->getBillingFirstName() . ' ' . $this->getBillingLastName());
+    }
+
+    public function setBillingName($value)
+    {
+        $names = explode(' ', $value, 2);
+        $this->setBillingFirstName($names[0]);
+        $this->setBillingLastName(isset($names[1]) ? $names[1] : null);
+
+        return $this;
+    }
+
+    public function getBillingFirstName()
+    {
+        return $this->getParameter('billingFirstName');
+    }
+
+    public function setBillingFirstName($value)
+    {
+        return $this->setParameter('billingFirstName', $value);
+    }
+
+    public function getBillingLastName()
+    {
+        return $this->getParameter('billingLastName');
+    }
+
+    public function setBillingLastName($value)
+    {
+        return $this->setParameter('billingLastName', $value);
+    }
+
+    public function getBillingCompany()
+    {
+        return $this->getParameter('billingCompany');
+    }
+
+    public function setBillingCompany($value)
+    {
+        return $this->setParameter('billingCompany', $value);
+    }
+
+    public function getBillingAddress1()
+    {
+        return $this->getParameter('billingAddress1');
+    }
+
+    public function setBillingAddress1($value)
+    {
+        return $this->setParameter('billingAddress1', $value);
+    }
+
+    public function getBillingAddress2()
+    {
+        return $this->getParameter('billingAddress2');
+    }
+
+    public function setBillingAddress2($value)
+    {
+        return $this->setParameter('billingAddress2', $value);
+    }
+
+    public function getBillingCity()
+    {
+        return $this->getParameter('billingCity');
+    }
+
+    public function setBillingCity($value)
+    {
+        return $this->setParameter('billingCity', $value);
+    }
+
+    public function getBillingPostcode()
+    {
+        return $this->getParameter('billingPostcode');
+    }
+
+    public function setBillingPostcode($value)
+    {
+        return $this->setParameter('billingPostcode', $value);
+    }
+
+    public function getBillingState()
+    {
+        return $this->getParameter('billingState');
+    }
+
+    public function setBillingState($value)
+    {
+        return $this->setParameter('billingState', $value);
+    }
+
+    public function getBillingCountry()
+    {
+        return $this->getParameter('billingCountry');
+    }
+
+    public function setBillingCountry($value)
+    {
+        return $this->setParameter('billingCountry', $value);
+    }
+
+    public function getBillingPhone()
+    {
+        return $this->getParameter('billingPhone');
+    }
+
+    public function setBillingPhone($value)
+    {
+        return $this->setParameter('billingPhone', $value);
+    }
+
+    public function getShippingName()
+    {
+        return trim($this->getShippingFirstName() . ' ' . $this->getShippingLastName());
+    }
+
+    public function setShippingName($value)
+    {
+        $names = explode(' ', $value, 2);
+        $this->setShippingFirstName($names[0]);
+        $this->setShippingLastName(isset($names[1]) ? $names[1] : null);
+
+        return $this;
+    }
+
+    public function getShippingFirstName()
+    {
+        return $this->getParameter('shippingFirstName');
+    }
+
+    public function setShippingFirstName($value)
+    {
+        return $this->setParameter('shippingFirstName', $value);
+    }
+
+    public function getShippingLastName()
+    {
+        return $this->getParameter('shippingLastName');
+    }
+
+    public function setShippingLastName($value)
+    {
+        return $this->setParameter('shippingLastName', $value);
+    }
+
+    public function getShippingCompany()
+    {
+        return $this->getParameter('shippingCompany');
+    }
+
+    public function setShippingCompany($value)
+    {
+        return $this->setParameter('shippingCompany', $value);
+    }
+
+    public function getShippingAddress1()
+    {
+        return $this->getParameter('shippingAddress1');
+    }
+
+    public function setShippingAddress1($value)
+    {
+        return $this->setParameter('shippingAddress1', $value);
+    }
+
+    public function getShippingAddress2()
+    {
+        return $this->getParameter('shippingAddress2');
+    }
+
+    public function setShippingAddress2($value)
+    {
+        return $this->setParameter('shippingAddress2', $value);
+    }
+
+    public function getShippingCity()
+    {
+        return $this->getParameter('shippingCity');
+    }
+
+    public function setShippingCity($value)
+    {
+        return $this->setParameter('shippingCity', $value);
+    }
+
+    public function getShippingPostcode()
+    {
+        return $this->getParameter('shippingPostcode');
+    }
+
+    public function setShippingPostcode($value)
+    {
+        return $this->setParameter('shippingPostcode', $value);
+    }
+
+    public function getShippingState()
+    {
+        return $this->getParameter('shippingState');
+    }
+
+    public function setShippingState($value)
+    {
+        return $this->setParameter('shippingState', $value);
+    }
+
+    public function getShippingCountry()
+    {
+        return $this->getParameter('shippingCountry');
+    }
+
+    public function setShippingCountry($value)
+    {
+        return $this->setParameter('shippingCountry', $value);
+    }
+
+    public function getShippingPhone()
+    {
+        return $this->getParameter('shippingPhone');
+    }
+
+    public function setShippingPhone($value)
+    {
+        return $this->setParameter('shippingPhone', $value);
+    }
+
+    public function getAddress1()
+    {
+        return $this->getParameter('billingAddress1');
+    }
+
+    public function setAddress1($value)
+    {
+        $this->setParameter('billingAddress1', $value);
+        $this->setParameter('shippingAddress1', $value);
+
+        return $this;
+    }
+
+    public function getAddress2()
+    {
+        return $this->getParameter('billingAddress2');
+    }
+
+    public function setAddress2($value)
+    {
+        $this->setParameter('billingAddress2', $value);
+        $this->setParameter('shippingAddress2', $value);
+
+        return $this;
+    }
+
+    public function getCity()
+    {
+        return $this->getParameter('billingCity');
+    }
+
+    public function setCity($value)
+    {
+        $this->setParameter('billingCity', $value);
+        $this->setParameter('shippingCity', $value);
+
+        return $this;
+    }
+
+    public function getPostcode()
+    {
+        return $this->getParameter('billingPostcode');
+    }
+
+    public function setPostcode($value)
+    {
+        $this->setParameter('billingPostcode', $value);
+        $this->setParameter('shippingPostcode', $value);
+
+        return $this;
+    }
+
+    public function getState()
+    {
+        return $this->getParameter('billingState');
+    }
+
+    public function setState($value)
+    {
+        $this->setParameter('billingState', $value);
+        $this->setParameter('shippingState', $value);
+
+        return $this;
+    }
+
+    public function getCountry()
+    {
+        return $this->getParameter('billingCountry');
+    }
+
+    public function setCountry($value)
+    {
+        $this->setParameter('billingCountry', $value);
+        $this->setParameter('shippingCountry', $value);
+
+        return $this;
+    }
+
+    public function getPhone()
+    {
+        return $this->getParameter('billingPhone');
+    }
+
+    public function setPhone($value)
+    {
+        $this->setParameter('billingPhone', $value);
+        $this->setParameter('shippingPhone', $value);
+
+        return $this;
+    }
+
+    public function getCompany()
+    {
+        return $this->getParameter('billingCompany');
+    }
+
+    public function setCompany($value)
+    {
+        $this->setParameter('billingCompany', $value);
+        $this->setParameter('shippingCompany', $value);
+
+        return $this;
+    }
+
+    public function getEmail()
+    {
+        return $this->getParameter('email');
+    }
+
+    public function setEmail($value)
+    {
+        return $this->setParameter('email', $value);
+    }
+
+    public function getBirthday($format = 'Y-m-d')
+    {
+        $value = $this->getParameter('birthday');
+
+        return $value ? $value->format($format) : null;
+    }
+
+    public function setBirthday($value)
+    {
+        if ($value) {
+            $value = new DateTime($value, new DateTimeZone('UTC'));
+        } else {
+            $value = null;
+        }
+
+        return $this->setParameter('birthday', $value);
+    }
+
+    public function getGender()
+    {
+        return $this->getParameter('gender');
+    }
+
+    public function setGender($value)
+    {
+        return $this->setParameter('gender', $value);
+    }
+}
diff --git a/src/Message/AIMAuthorizeRequest.php b/src/Message/AIMAuthorizeRequest.php
index 7e58c4d4..bb6f1a86 100644
--- a/src/Message/AIMAuthorizeRequest.php
+++ b/src/Message/AIMAuthorizeRequest.php
@@ -9,18 +9,36 @@ class AIMAuthorizeRequest extends AbstractRequest
 {
     protected $action = 'AUTH_ONLY';
 
+    const ECHECK = "ECHECK";
+    const CREDIT_CARD = "CC";
+
     public function getData()
     {
-        $this->validate('amount', 'card');
-        $this->getCard()->validate();
+        $this->validate('amount');
 
         $data = $this->getBaseData();
         $data['x_customer_ip'] = $this->getClientIp();
-        $data['x_card_num'] = $this->getCard()->getNumber();
-        $data['x_exp_date'] = $this->getCard()->getExpiryDate('my');
-        $data['x_card_code'] = $this->getCard()->getCvv();
         $data['x_cust_id'] = $this->getCustomerId();
 
+        if ($card = $this->getCard()) {
+            $card->validate();
+            $data['x_card_num'] = $this->getCard()->getNumber();
+            $data['x_exp_date'] = $this->getCard()->getExpiryDate('my');
+            $data['x_card_code'] = $this->getCard()->getCvv();
+            $data['x_method'] = self::CREDIT_CARD;
+        } elseif ($bankAccount = $this->getBankAccount()) {
+            $bankAccount->validate();
+            $data['x_bank_aba_code'] = $this->getBankAccount()->getRoutingNumber();
+            $data['x_bank_acct_num'] = $this->getBankAccount()->getAccountNumber();
+            $data['x_bank_acct_type'] = $this->getBankAccount()->getBankAccountType();
+            $data['x_bank_name'] = $this->getBankAccount()->getBankName();
+            $data['x_bank_acct_name'] = $this->getBankAccount()->getName();
+            $data['x_echeck_type'] = "WEB";
+            $data['x_recurring_billing'] = "FALSE";//NEED when we set echeck_type is WEB or TEL
+            $data['x_method'] = self::ECHECK;
+        }
+
+
         if ($this->getTestMode()) {
             $data['x_test_request'] = 'TRUE';
         }
diff --git a/src/Message/AbstractRequest.php b/src/Message/AbstractRequest.php
index a8d45f19..83e61db0 100644
--- a/src/Message/AbstractRequest.php
+++ b/src/Message/AbstractRequest.php
@@ -2,6 +2,8 @@
 
 namespace Omnipay\AuthorizeNet\Message;
 
+use Omnipay\AuthorizeNet\BankAccount;
+
 /**
  * Authorize.Net Abstract Request
  */
@@ -60,6 +62,20 @@ public function setHashSecret($value)
         return $this->setParameter('hashSecret', $value);
     }
 
+    public function getBankAccount()
+    {
+        return $this->getParameter('bankAccount');
+    }
+
+    public function setBankAccount($value)
+    {
+        if ($value && !$value instanceof BankAccount) {
+            $value = new BankAccount($value);
+        }
+
+        return $this->setParameter('bankAccount', $value);
+    }
+
     protected function getBaseData()
     {
         $data = array();
@@ -110,6 +126,34 @@ protected function getBillingData()
             $data['x_ship_to_state'] = $card->getShippingState();
             $data['x_ship_to_zip'] = $card->getShippingPostcode();
             $data['x_ship_to_country'] = $card->getShippingCountry();
+        } elseif ($bankAccount = $this->getBankAccount()) {
+            // customer billing details
+            $data['x_first_name'] = $bankAccount->getBillingFirstName();
+            $data['x_last_name'] = $bankAccount->getBillingLastName();
+            $data['x_company'] = $bankAccount->getBillingCompany();
+            $data['x_address'] = trim(
+                $bankAccount->getBillingAddress1()." \n".
+                $bankAccount->getBillingAddress2()
+            );
+            $data['x_city'] = $bankAccount->getBillingCity();
+            $data['x_state'] = $bankAccount->getBillingState();
+            $data['x_zip'] = $bankAccount->getBillingPostcode();
+            $data['x_country'] = $bankAccount->getBillingCountry();
+            $data['x_phone'] = $bankAccount->getBillingPhone();
+            $data['x_email'] = $bankAccount->getEmail();
+
+            // customer shipping details
+            $data['x_ship_to_first_name'] = $bankAccount->getShippingFirstName();
+            $data['x_ship_to_last_name'] = $bankAccount->getShippingLastName();
+            $data['x_ship_to_company'] = $bankAccount->getShippingCompany();
+            $data['x_ship_to_address'] = trim(
+                $bankAccount->getShippingAddress1()." \n".
+                $bankAccount->getShippingAddress2()
+            );
+            $data['x_ship_to_city'] = $bankAccount->getShippingCity();
+            $data['x_ship_to_state'] = $bankAccount->getShippingState();
+            $data['x_ship_to_zip'] = $bankAccount->getShippingPostcode();
+            $data['x_ship_to_country'] = $bankAccount->getShippingCountry();
         }
 
         return $data;