Orr Law, LLC

Orr Law, LLC Orr Law, LLC
A General Law and Mediation Firm

04/02/2026
A Cashless Society?Sherri Wohltman, ParalegalOrr Law, LLCMany years ago while in high school, I opened a checking accoun...
02/18/2026

A Cashless Society?
Sherri Wohltman, Paralegal
Orr Law, LLC

Many years ago while in high school, I opened a checking account at one of our local banks. It was just something that you did once you started working. And while high school students, college students, all the way up to Millennials may still open checking accounts, they seem to prefer debit cards, PayPal, ApplePay and Venmo as forms of payment over paper checks. On that same note, many venues, as well as shops and vending machines at airports, have become cashless.

The concept of a cashless society has been around for decades. But with 84% of payments in the US being made digitally in 2025 (according to Clearly Payments), the transition from physical currency could take place sooner than we once thought. Two-fifths of Americans used no cash in 2022 and the average number of cash payments fell from 26% in 2019 to 20% in 2021. While no fully cashless countries exist, cash only represents 1.3% of Sweden’s GDP and Hong Kong predicts cash will account for only 1.6% of point-of-sale (POS) transactions, the lowest in the Asia-Pacific region, and down from 9% in 2019. The number of cashless payments in the Asia-Pacific is forecasted to be higher than Europe and North America combined in 2026.

Further, more than 23 million people in the UK used virtually no cash in 2021, whereas 13.4% of Americans stopped using cash completely in 2024, which is up 2.4% from 2022. Check transactions have declined by almost half between 2012 and 2022, making 70% of Americans believe that that the United States is becoming a cashless society.

References:
https://tech.co/pos-system/cashless-society-stats-pros-cons

https://www.britannica.com/story/what-is-a-cashless-society-and-how-does-it-work

• (Source: Pew Research)
• (Source: Capital One Shopping)
• (Source: Federal Reserve)
• (Source: Statista)
• (Source: Card Rates)
• (Source: The Guardian)
• (Source: International Monetary Fund)

Learn what it means for a society to operate without physical money.

We enjoyed a few days out of the cold and snow! Our law firm retreat was in Key West and we had a great time. Our office...
01/27/2026

We enjoyed a few days out of the cold and snow! Our law firm retreat was in Key West and we had a great time. Our office will reopen on Wednesday, January 28, 2026, provided the weather cooperates.

Law Firm Retreat!
01/26/2026

Law Firm Retreat!

Orr Law Christmas Party.Cheryl served as our gracious hostess and Rick as our skilled chef at the 2025 Orr Law Christmas...
12/14/2025

Orr Law Christmas Party.
Cheryl served as our gracious hostess and Rick as our skilled chef at the 2025 Orr Law Christmas Party! It was a wonderful night of delicious food and great company in the warmth of a beautiful home. Our most sincere thanks go out to Cheryl and Rick for a perfect holiday evening!

Richard “Dick” RundeBy:  Twila OrrDick Runde passed away on October 30, 2025.  He was my mentor in my early years of pra...
11/04/2025

Richard “Dick” Runde
By: Twila Orr

Dick Runde passed away on October 30, 2025. He was my mentor in my early years of practicing law as he gave me my first job out of law school. He was kind, patient, God-fearing, and very wise in so very many ways.

As a young law school graduate, I came to know Dick in the summer of 1984. He was running for Effingham County State’s Attorney against Lou Viverito while serving as Assistant State’s Attorney to K. Rick Keller. I sat on a bench outside of his office hoping for a chance to talk with him about a job. Finally, his then-secretary, Susan VanDyke, told me that he was willing to talk with me.

I was a nervous 20something and Dick immediately gave me a comfort level with his smile and calm demeanor. He asked when I expected my bar results; I knew I would not be very valuable to the office without being licensed. Our meeting was in July, and the bar results were expected in November. Ernie Garbe was the Effingham County Board Chairman at the time. Ernie and Dick convinced the board to allow an expenditure for my part time salary until the bar results and election results were returned.

Dick was elected as Effingham County State’s Attorney and I passed the bar to become his assistant.

I was so fortunate to have Dick as my very first mentor. He knew I was new to the practice of law, and the advice he gave me was basic but ideal. “Treat people with respect. You never know what life has dealt them,” he said. Even as a prosecutor, he made sure that I realized that every case was different, and no matter the seriousness of the charges, the person deserved to be treated fairly and as a human being.

His patient demeanor also made my early years of practicing law a little easier. Appearing in daily court before a rather strict judge became challenging at times. The days often became more and more difficult, and on one occasion, the judge corrected my grammar in the presence of a courtroom full of people. Maybe it was 40 years ago, but I still remember the words: confer or convey. I was so angry when I returned to our offices after court that I told Dick I wanted to walk right into the judge’s chambers and say something that I knew I would later regret! He smiled, asked me to take a seat, and then said, “Try to calm down. You have a right to be upset, but for now, why don’t you just take the rest of the day off? Tomorrow will be a better day. I’m going to take a break myself and go across the street to Lange’s bookstore.” Anyone who knew Dick knew how much he loved to read. I took the day off. Dick went to the bookstore. The next day was, just as he said, a better day.

Dick and Rick Keller later formed a law partnership and I practiced with the Schniederjon firm. When I formed Orr Law, Dick was hoping to slow down his practice, so Keller & Runde merged with Orr Law. We always joked that Dick did not cross the creek between T-town and Effingham much to see us, but when he did, we always enjoyed having him around the office.

Dick Runde was a good man. He was an excellent mentor and I feel very fortunate to have known him. He will be greatly missed.

🎃Happy Halloween!🎃 We had a visiting Taco Trick-or-Treater! Rick is always coming up with the best ways to give us smile...
10/31/2025

🎃Happy Halloween!🎃

We had a visiting Taco Trick-or-Treater! Rick is always coming up with the best ways to give us smiles to start our days!

The attorneys, staff, and some friends and family members recently enjoyed a Cardinals ballgame! We shuttled to Busch St...
10/20/2025

The attorneys, staff, and some friends and family members recently enjoyed a Cardinals ballgame! We shuttled to Busch Stadium and had a suite with great food, drinks and company. ⚾️⚾️⚾️

Happy Birthday, America! 🇺🇸
07/04/2025

Happy Birthday, America! 🇺🇸

Address

215 N 4th Street
Effingham, IL
62401

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

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