Welcome to Upper Peninsula State Bank


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.

  1. Insert the chip end of the card into the chip-enabled terminal.
  2. Keep the card in the terminal and follow the on-screen prompts to complete the transaction.
  3. 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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