Bank presenters pitch procurement (P-) cards for Marshall County; cards include audit controls and block alcohol purchases

Representatives from Citizens Bank and Trust presented procurement (P-) card options to the Marshall County Commission at its March 25 work session, describing the cards as a way to control employee travel and per-diem expenses while improving audit transparency.

Annie Furr of Citizens Bank and Trust introduced the bank's program and Robbie Culberson, the bank's vice president of treasury services, who described how the system would work for county users. Culberson said administrators (for example, a staff member named Ashley in the presentation) can manage card limits for individual employees or apply organization-wide rules; they can also raise or lower limits, close cards that are lost, and configure which merchant categories or purchase types are permitted.

Culberson demonstrated the receipt workflow: a cardholder takes a photo of a receipt within the bank's app, the image is uploaded immediately, and the administrator receives the receipt for reconciliation. The presenters said this reduces lost receipts and simplifies auditing. They emphasized configurable controls and real-time visibility for auditors as key features. A representative also stated explicitly that P-cards cannot be used to buy alcohol.

Presenters positioned P-cards as a practical solution for the county's problems with per-diem and travel expense handling and said the tool offers flexibility, administrative control, and greater transparency. The session included brief questions about prior county card practice and how the bank's controls compare; presenters said their system provides strong administrative controls and audit trails. No formal decision to adopt a P-card program was recorded during the meeting; the presentation was informational and staff indicated they would discuss next steps as needed.