Should we use Credit Cards for the Church?

Credit Card

Having a good plan in place for proper use of funds will help with the overall stewardship process of your church. Often the use of credit cards and churches do not mix well.  Some are afraid of unwise use of cards or spending that may or may not be accounted for on a monthly basis.  And there have actually been leaders and pastors who have misused the church funds for their own purposes.  We shouldn’t judge all leaders and pastors on the actions of a few.  There are certain aspects of daily church business that requires some type of cash flow that is available to the leaders, pastors and/or business managers of the church.  I have found the system below to work well in providing accountability of spending and giving freedom to make necessary purchases on a daily basis for ministry functions.

The truth is if we can’t trust those who are leading our ministries and our church, then how they handle the money is the least of our concerns.  How they are leading our ministries and our church should be of a greater concern.

I hope this structure below helps as you develop guidelines for credit card use in your church.

Church Credit Card Policy

Those who use a credit card to make purchases within the church should follow the procedure listed below:

  1. Get a personal credit card in your name that will be strictly for the purpose of church business.
  2. Use that credit card for all budgeted purchases you make.  (If a purchase has not been budgeted, it will need to be approved prior to the purchase.)
  3. Keep your receipts
  4. Any purchase of more than $250 will need to be approved to check for availability of funds and cash flow.
  5. When the bill/statement comes in either to your address or to the church, you will need to fill out a monthly report indicating account totals (i.e. if you have made several purchases for supplies within your ministry, you will need to enter that on one line with a total that goes into that account)
  6. Turn the Accounting sheet along with the bill & receipts in to accounting to be paid.
Once you receive your bill, identify the account numbers and the total spent within each account and log this below.  Do not show each account more than once.  Simply give an overall total spent within each account.  Place the receipts in an envelope, attach envelope to the bill and turn in for payment

Account # Description of Account Dollar amount spent
$
$
$
$
$
$
$
$
$
$
$
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About John Herring

I've been in ministry for almost 20 years. In that time, I have had the opportunity to serve in a variety of roles including, Student and Children's Pastor, Worship and Media Pastor, Education/Small Groups Pastor, Associate Pastor, Church Administrator, Missions Pastor and 'other duties as assigned' Pastor. Many of these have been within the same church and I have had the opportunity to see a variety of changes and transitions in ministry over the past 20 years. I enjoy coaching, consulting, mentoring and investing in leaders to see them become who it is God created them to be. As I do all of these, I am also in transition from where God had me to where He is taking me and enjoying learning more about Him in the journey. I am blessed to have been married to a beautiful godly woman, Alisha, for 11 years and have 2 amazing kids. I continue to learn more about them, myself and God every day. View all posts by John Herring

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