Let’s say John, Tom, Chris, and Matt are playing together. John hits his ball into a tree, earning himself the Monkey Chip as a penalty.

When Tom takes his shot and also hits a tree, John hands the Monkey Chip over to Tom.Similarly, reward Chipz works the same way.

For instance, if Chris sinks a birdie and earns the Birdie Chip, but Matt also makes birdie, Chris passes the Birdie Chip to Matt.

Penalty Chipz have negative values, meaning they’ll cost you money, while reward Chipz have positive values and earn you cash.

At the end of the round, everyone tallies their Chipz, and players settle up based on the Chipz they’ve held.

A single hole can rack up multiple Chipz. Imagine this: After his birdie, Chris tees off on the 9th hole and slices into the trees, earning the Monkey Chip (hitting a tree) and the Frog Chip (hitting a hazard), for a $10 penalty.

As things worsened, Chris then 3-putts, claiming the Snake Chip (3-putt), bringing his total to a $15 penalty on that hole alone!

Fortunately for Chris, Tom also 3-putts, allowing Chris to pass the Snake Chip over, lowering his penalty to $10.

Chipz always transfers to the next player when a matching event happens.

In Chris and Tom’s case, Chris 3-putted first, so he handed the Snake Chip to Tom. Had Tom putt first, Chris would’ve kept it.