Chip Card FAQ
What is Chip Technology?
Chip technology refers to the embedded microchip found on credit or debit cards and the terminals that work with them. This chip technology - designed to protect against fraud - is enhancing the security of card transactions around the world.
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How does it work?
Every time a chip card is used in-store, a unique one-time code is created that can be validated before approving the transaction - providing an additional layer of security. That unique one-time code also prevents a thief from making any additional purchases with stolen card data.
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How to use Chip Cards...
If the places you shop have chip-enabled registers, simply insert your chip card and follow the on-screen prompts to complete the transaction. If they don't have chip-enabled registers, swipe and sign your name or enter your PIN the same as always.
- Insert the chip end of the card into the chip-enabled terminal.
- Keep the card in the terminal and follow the on-screen prompts to complete the transaction.
- Remember to remove your card when the transaction is completed.
Please note: Some merchants may have "Chip-Ready" terminals that are not enabled. Having a chip card AND using a Chip ENABLED terminal makes your transaction more secure; just having a chip card alone does not.
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When are they coming?
Chip technology is now a part of Upper Peninsula State Bank Debit cards. When your current debit card expires it will be replaced with a chip card, and any new cards requested will include chips.
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