mac asking password after cd in terminal
You can run set -x to make zsh print a trace of every command it executes. When a command is executed by a function, the function name is printed. Run set +x to stop printing traces.

If something is happening when you use the cd command, it can be because this is an alias or function. Check with type cd.

Zsh has a built-in feature to hook onto the cd command, so wrappers around the built-in command are rarely used. If the function chpwd exists, zsh runs it immediately after changing the directory. Check what the chpwd function does with which chpwd.

There are also hooks that run before and after every command: the preexec and precmd functions. Furthermore, all these hooks have an array version, which is an array of function names. Check these arrays with echo $chpwd_functions, and if there is a function, look at its code.