Alumina Ltd. is considering establishing a zero-balance account. The company currently maintains an average of A$1,380,000 in its disbursement account. As compensation to the bank of maintaining the zero-balance account, the company will have to pay a monthly fee of A$100 and maintain an A$1,000,000 non-interest-earning deposit in the bank. The company currently has no other deposit in the bank. Evaluate the proposed zero-balance account, and make a recommendation to the firm, assuming a 10% opportunity cost.