The term ZBA (Zero Balance Account) is sometimes used to describe a transit account. In reality, ZBAs are a completely different story and are usually used in an acquiring and merchant account context, where one party opens the account and another sweeps (clears) it daily.
Helper T cells are the major driving force and the main regulators of the immune defense. Their primary task is to activate B cells and killer T cells. However, the helper T cells themselves must be activated.
When a B-cell receptor connects to its specific antigen, a Helper T-cell releases chemicals that tell that B-cell to divide many times. This makes an army of B-cells with the perfectly shaped B-cell receptor to connect to the invader in your body. Many of these B-cells quickly turn into Plasma cells.