When Create New Account, EFT payment method will show if current account has EFT enabled

The change that is needed is the back-end flag that EFT is enabled and available is turned on for any account that the user is a member of. This is needed so that the user can select the EFT payment method on account creation without receiving an error.
This way the user can create another account for that organization for a different branch or department.

If the user is creating a new sub-account for an organization that has EFT enabled, then the user can select the EFT payment method for any new accounts created (because they don't have a PAD account), so that the new account is able to be set up with the EFT payment method.