This Online Cash Management Access Agreement (this “Access Agreement” or “Agreement”) sets forth the terms and conditions governing Cash Management Services as well as the other Services.  The term “Cash Management Services” means the services provided by Bank under this Access Agreement other than the other Services offered through the Schedule Agreements (defined below).  “Services” means any and all of the services provided by Bank under this Access Agreement and the Schedule Agreements.  By using Cash Management Services, you agree to the terms and conditions of this Access Agreement and by using any of the Services offered by us under an agreement attached as a Schedule to this Access Agreement, you also agree to the terms and conditions of that agreement and all exhibits, schedules, appendices, addenda and other attachments thereto.  All agreements attached as Schedules to this Access Agreement are part of this Access Agreement and this Access Agreement is a part of each of those agreements.  In the event of a conflict between the terms of this Access Agreement and the Deposit Agreement and Disclosure or any Loan Advance Agreement (each as defined below), the terms of this Access Agreement will control to the extent of such conflict.  In the event of a conflict between the terms of this Access Agreement and the terms of a Schedule Agreement, the terms of such Schedule Agreement will control to the extent of such conflict.  The terms “we,” “us,” “our,” “River City Bank” and “Bank” refer to River City Bank.  The terms “Customer”, “you” and “your” refer to the party in whose name an Account is maintained, each signer on an Account, each Authorized Agent and Services user, and all owners and beneficiaries of the Accounts.

Pro tip for first-timers: Carefully consider the pay rates that are listed. Penny Hoarder Carson Kohler has used the platform to find freelance writing gigs, and she reports low rates — like $3 for 500 written words. It’s probably not worth it. (And, yes, you’ll have to scroll through a whole lot of these low-paying listings to find the good ones.)
All Transfers executed by Bank are subject to rules and regulations applicable to Transfers, including, without limitation, the Federal Bank Secrecy Act and related regulations as well as regulations administered by FinCEN and OFAC.  In order to comply with applicable laws and regulations, in executing any Transfer, Bank may transmit information regarding you, such as your name, address and account number, as part of the payment process, as well as information regarding the recipient of the Transfer.  By sending Transfers through Bank, you agree that you will assist Bank in complying with the applicable laws and regulations and hold Bank harmless from any liability in connection with Bank’s compliance with the laws or regulations.
Google claims their users click (organic) search results more often than ads, essentially rebutting the research cited above. A 2012 Google study found that 81% of ad impressions and 66% of ad clicks happen when there is no associated organic search result on the first page.[2] Research has shown that searchers may have a bias against ads, unless the ads are relevant to the searcher's need or intent [3]
High-quality content: Not only should you be blogging more frequently, but your content must be valuable and of high quality. You readers will only come back for more if your contents are educational and are useful. This will create more shares and more traffic. If you do not have quality information to write about, I would suggest not blogging at all for that week. Keywords should be used to get your work found and quality content is necessary to keep readers on your blog and to bring them back to it. Don’t forget to write longer posts. Anything above 1000 words is really great while other experienced bloggers aim for 2000-3000 words. This means you are thorough and proving lots of amazing information that your readers will love. 

You probably visit at least a few sites that are relevant to your business on a regular basis, so why not join the conversation? Commenting doesn’t necessarily provide an immediate boost to referral traffic right away, but making a name for yourself by providing insightful, thought-provoking comments on industry blogs and sites is a great way to get your name out there – which can subsequently result in driving more traffic to your own site. Just remember that, as with guest posting, quality and relevance are key – you should be engaging with other people in your niche, not dropping spam links on unrelated websites.
Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.
As a website owner it's important to regularly review your streams of traffic. You want to be in the know if any channels are growing or declining at an unusual rate, especially when it comes to your organic traffic. So if you're interested in learning more about how we can help you increase the amount of daily visits your website receives feel free to contact us for more information about our white hat SEO services.
The response rate here was huge because this is a mutually beneficial relationship. The bloggers get free products to use within their outfits (as well as more clothes for their wardrobe!) and I was able to drive traffic through to my site, get high-quality backlinks, a load of social media engagement and some high-end photography to use within my own content and on product pages.
Pushing down a high-authority website from the top ten search results is next to impossible, especially if you are trying to promote a relatively low-authority site. If you see a high number of authoritative sites, it is better to change your focus keyword. As there were almost no authoritative sites for our focus keyword, we decided to go ahead with it.
LinkedIn has become much more than a means of finding another job. The world’s largest professional social network is now a valuable publishing platform in its own right, which means you should be posting content to LinkedIn on a regular basis. Doing so can boost traffic to your site, as well as increase your profile within your industry – especially if you have a moderate to large following.
What does that mean for your website? Organic Traffic is any of the customers that come to your website without clicking a link on another site (referral traffic) or clicking an ad (paid traffic) – these visitors used a known search engine and clicked a link to view your website. Much of this traffic is customers from Google, but it also includes other common search engines like Bing and Yahoo. Now that we know what it is, let’s dive into understanding how this information can help you improve your website.
When Larry wrote about the kick in the proverbial teeth that eBay took from Google’s Panda update, we managed to secure a link from Ars Technica in the Editor’s Pick section alongside links to The New York Times and National Geographic. Not too shabby – and neither was the resulting spike in referral traffic. Learn what types of links send lots of referral traffic, and how to get them, in this post.

Hi Brian! I enjoy reading your posts and use as much info as I possibly can. I build and sell storage sheds and cabins. The problem I have is that there are no top bloggers in my market or wikipedia articles with deadlinks that have to do with my market. 95% of my traffic and sales are generated via Facebook paid advertising. Would love to get more organic traffic and would be interested in your thoughts concerning this.
Most search Engines offer two types of search results to users: paid results (typically show on top or side) and organic or natural results. The disadvantages of Paid results is that you need to pay for them and that most users consider them to be a little better than advertising and will often skip them in favor of natural or organic search results. The advantage is to get your web site rank higher for a specific keyword and to get clicks on your ad leading to your landpage. Organic search is one that generates results that came from you ranking on SE and not from
Hi Brian! I enjoy reading your posts and use as much info as I possibly can. I build and sell storage sheds and cabins. The problem I have is that there are no top bloggers in my market or wikipedia articles with deadlinks that have to do with my market. 95% of my traffic and sales are generated via Facebook paid advertising. Would love to get more organic traffic and would be interested in your thoughts concerning this.

Become an Amazon Associate and then use Keyword planner to find an in-demand niche: With more than a million different products to choose from and up to 10% commission the sales you drive, Amazon’s affiliate program is a great place to get started. Browse their available products and see what connects with you. Or take it a step further and use Google’s Keyword Planner to quickly check how many people are searching for a specific term. With affiliate marketing, the more relevant traffic you can pull in, the more you’ll make off your site.
Salvage and resell. Do you love antiques or have a knack for finding valuables at flea markets or yard sales? If you do, it might be time to consider salvaging items for resale – or even scouting out antiques to sell for a profit. While you’ll need to spend quite a bit of time searching for prospects and spend some money buying upfront, you could easily turn a profit if you know what you’re doing.
Another great way to get free and fast traffic is using Social media networks. Try to open accounts at some of the most important ones like: Google+, LinkedIn, Twitter, Facebook, Instagram, reddit. Engage and activate people by promoting your webpage or product, create viral content and let people to start know who you are and what you do. When you make a post, remember to put a link to your page and you’ll get free backlink from high authority site pointing to your website. (no follow link, but still good one).
Focus on the surveys and offers at the top of the list. Here's a tip not many people know. CashCrate has a special algorithm that automatically selects the best surveys and offers and places them at the top of the list. There are several factors that go into determining which are the “best”, including payout, approval rate, and a variety of other factors. But all you need to know is that these surveys and offers are great, so you can do them in confidence!
Thanks for the comment Slava good too see your team is on top of things and happy you liked the post. The website in the case listed was a client who has taken on an agency who was doing lower quality SEO work which was affecting the site such as the huge link network and a strategy which only revolved around mainly head terms. We saw no long tail integration from the old agency's strategy, so we were able to yield great results to begin with. The clients site has 100's of high quality articles which we were able to re optimize and update as noted. Further to this they had a large index of high quality pages to work from. Sure enough the points listed above were key elements to a far wider strategy which could be 100's of points. I just wanted to include some of the biggest wins and easy to implement points.  

Great article as always. My wife is about to start a business about teaching (mainly) Mums how to film and edit little movies of their loved ones for posterity (www.lovethelittlethings.com launching soon). We have always struggled with thinking of and targeting relevant keywords because keywords like ‘videography’ and ‘family movies’ don’t really some up what she is about. Your article ties in with other learnings we have come across where we obviously need to reach out to right people and get them to share to get her product out there because purely focusing on keywords I don’t think will get us anywhere.
After successful implementation and installation of any software and hardware related to the use of this Service, you shall endorse each check to be deposited in accordance with the Procedures, scan the front and back of each Item to be deposited, capture the image of the front and back of each Item, capture the MICR encoding on each Check, and transmit the image file(s) (individually or collectively, a “File”) to Bank in accordance with the procedures in the “Remote Deposit Procedure Manual” (“Procedures”) provided to you by Bank. Bank reserves the right to amend the Procedures with or without prior notice to you. Bank may also provide you with Security Code to access the Service. You agree to (a) comply with the Procedures, (b) take reasonable steps to safeguard the confidentiality and security of the Security Code, the Procedures and any other proprietary property or information Bank provides to you in connection the Service: and (c) notify Bank immediately if you have any reason to believe the security or confidentiality required by this provision has been or may be breached. Bank’s security procedures are not designed for the detection of errors. Bank will not be obligated to detect errors by you or others, even if Bank takes certain actions from time to time to do so.
In the screenshot below, we searched for information for the keyword “Types of Leather” using Ahrefs Link Explorer. As you can see, the top ranking content mostly consists of blog posts. That means people like to read about different types of leather. In other words, there is a realistic chance of ranking content organically for this keyword, provided you come up with better blog posts than there already are.
Create a killer course experience: With your course validated and in the works, you need to figure out how people will take it. Most course creators choose to host their courses from their own websites. This way, they get all the value of bringing customers back to their site on a regular basis. I host my own courses from a subdomain on my own site so I can easily add more. The course experience is incredibly important as well. And after trying most of the solutions, I highly recommend Teachable—an online platform designed specifically for courses.
You can earn above average rates of return because peer-to-peer lending eliminates the bank function. That means that you participate in nearly the entire interest rate being paid by the borrower, rather than the less than 1% that you will typically earn on certificates of deposit. And you can reduce your risk by investing in slices of hundreds of different loans.

An Authorized Agent is responsible for assigning the levels of security necessary for you.  The Authorized Agents will be required to change the initial passwords the first time they use their IDs to login into our cash management system.  It is the Authorized Agents’ responsibility to understand the security capabilities built into the Service and to assign and, as appropriate to your business and security needs, restrict access to the various applications only to those employees who have a need to know, keeping in mind the importance of separation of duties as an important way of protecting you.
In its sole discretion, Bank may, but is not required to, seek verification or other authorization of any Transfer instruction or related communication in addition to the verification required under the Security Procedures (the “Optional Verification”). In seeking such Optional Verification, Bank may contact you by any means it deems reasonable in order to obtain assurance it deems reasonable as to the authenticity or other correctness of a Transfer request or instruction. Bank has no obligation to perform any Optional Verification at any time. However, if upon attempting to obtain such Optional Verification, Bank is unable to do so to its satisfaction, then Bank may, in its sole discretion, either make the Transfer or decline to make the Transfer or follow the instructions or decline to follow the instructions. In such an event, Bank will not be liable to you for any actual loss of any kind or for any consequential, punitive or exemplary damages in any amount, provided that Bank has acted in good faith.
Think interviews are only for the big leaguers? You’d be amazed how many people will be willing to talk to you if you just ask them. Send out emails requesting an interview to thought leaders in your industry, and publish the interviews on your blog. Not only will the name recognition boost your credibility and increase traffic to your website, the interviewee will probably share the content too, further expanding its reach.

Have a peek at the backlink profile of your competition that you’re trying to outrank. Each of the top websites they have received links from is an opportunity and should be a target of yours. It might require a comment, a guest post or something else, but explore each link to get more entries to your own backlink profile. Savvy competition might be spying on your backlinks so why not return the favour.

If my piece of content is so unique and valuable around hiking backpack recommendations, that other reputable outdoor websites are willing to link to it and build the page’s authority, then I’d have a very real opportunity to rank high in organic search for these search terms (meaning, my page will come up first when someone searches for hiking backpacks).
To help ensure that your inquiries are handled promptly, courteously and accurately, Bank’s supervisory or management personnel may monitor and/or record telephone conversations and electronic communications between you and Bank without additional prior notification to you or your employees, and you will so advise your employees who communicate with Bank by telephone or electronic means.

Proz.com is a site where you can get paid to translate all kinds of documents, including files and even conversations. The site provides you with an opportunity to list your services as a translator. They offer opportunities in Spanish, German, Italian, Chinese, Arabic, Japanese and other languages, and specialize in legal, medical, technical and other fields.


There are quite literally hundreds of clever ways to make money online. From taking online surveys, to renting or selling your old clothes, flipping your iPhone to someone in a different country, and even buying low-cost products locally, just to resell them for a higher price on Amazon. There’s truly no shortage of unique ways to make money online.
I love your post. I keep coming back because you always have great content I can use in my business as well as share. Since I own my own Digital Marketing company I guess you would be one of THE influencers in Internet Marketing field. I just started my business and because most influencers on twitter are talking about Content Marketing, that is what I have been writing about. But my site is only about a month old so I will just stay consistent in my writing. I’m also in the process of changing my navigation bar so be know how to get to what they want faster. Which would be “what is SEO”, etc. Thanks and would love any advice you can give me.
There are many freelance options for graphic designers who are looking to make money online. Designing layouts and graphics for promotional material, corporate reports, magazines or book covers, are all tasks that businesses are looking for online freelancers to complete. Due to its flexible nature, graphic design possibilities can range from one-off projects to ongoing work with regular clients.
If you can find and restore items like furniture and appliances, you can make a substantial amount of money. You can acquire the items on Craigslist, or even at garage sales or estate sales, restore them, and then list them for sale on the site. You may also be able to market certain items on eBay, particularly if they are small, unusual, but high in price.
Sponsored posts work much in the same way as paid guest posts, but they are posted by big businesses instead of individual bloggers. Therefore, the scope for fees is much higher, as businesses have larger marketing budgets than humble bloggers. Having sponsored posts by large companies will also help promote your site as reputable and as a leader in its field.

After adjusting that, the table refreshes again and I’m looking at a month-by-month summary of my Organic Traffic. Hover your mouse over any single month dot to view a summary of that month’s numbers. In this particular example, we can see that recently there’s been an increase in Organic Traffic. January had 6,630 organic sessions, February (short month) had 5,982 and then March came in strong with 7,486 organic sessions. This information lets us know that something on the site is performing better than usual in March. In most cases, this means that either interest in a topic has increased or the website has begun to rank better in the search engines for specific keywords. In the next section we’ll begin to break this down further.

Anyone interested in making money online should be pursuing passive income, while also working on active income. There are loads of ways to generate an income passively on the internet, many of which start at the foundation of having a blog, generating substantial traffic and building an audience and a list. Is it easy? Nope. Is it worth it? It sure is. But that doesn't mean you need to start a blog to make money online today.
×