Your Security Code(s) may be changed by you or your Authorized Agents from time to time. You agree to change your Security Code(s) immediately if someone who has had access to a Security Code is no longer employed by you or is no longer authorized to use Cash Management Services. We may also require you to change your Security Code at any time. We may deny access to Cash Management Services without prior notice if we are unable to confirm (to our satisfaction) any person’s authority to access Cash Management Services or if we believe such action is necessary for security reasons. YOUR BEST COURSE OF ACTION IS TO KEEP ALL SECURITY CODES SEPARATE AND CONFIDENTIAL FOR EACH EMPLOYEE WITH ACCESS TO CASH MANAGEMENT SERVICES. BANK WILL HAVE NO LIABILITY TO YOU FOR ANY UNAUTHORIZED PAYMENT OR TRANSFER MADE USING YOUR SECURITY CODE THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE.
What’s the catch? None, really. Cash back apps act as affiliates for many online merchants, which means that whenever you make a purchase through one of the apps, they get a small commission — but then, they give you a portion of that commission as “cash back”. For example, if I buy a pair of Nike shoes through the Ebates app (or website) and spend $75, Ebates may get a $10 commission but then they’ll pass $7 back to me. It’s basically a way to get sale prices on stuff that isn’t on sale!