An organization has an opportunity to establish a zero balance account system using four different regional banks. The total amount of the maintenance and transfer fees is estimated to be $6,000 per annum. The organization believes that it will increase the float on its operating disbursements by an average of four days, and its cost of short-term funds is 4.5%. Assuming the organization estimates its average daily operating disbursements to be $40,000 what decision should the organization make regarding this opportunity?