Heres a future partnership I see based on patrick smyths connection with Ed and MYEC to his past employers.
patricksmyth.ca/working-in-vancouver/
He was also the Founder at iSmartCheck, an electronic transaction processor and provider of online payment solutions working closely with major banks and industry partners including MyECheck, Bank of America, JP Morgan Chase, Jack Henry Profitstars, Citi and clients including UPS, The State of California, Cardinal Commerce, Simon Properties and Transfirst.
a post i found
iSmartCheck™ Check 21 files are approved by the Federal Reserve and we pass the files directly to the Federal Reserve through “FedLine” for immediate Federal Reserve clearing. Our licensor, MyECheck™ also has its own ETI Routing Number and has a number of partner banks with whom they settle payments including Bank of America and JP Morgan Chase.
i think its highly probable we see jp morgan/citi deal