Abstract: The programmable device connects an initiating telecommunications device with a destination telecommunications device through one of a plurality of telecommunications carriers based upon information stored in a database in the programmable apparatus. The programmable apparatus includes input and output devices, a processor, a memory and various databases. The system accesses and obtains information from the database and establishes a telecommunications link between the initiating telecommunications device and the destination telecommunications devices via one of a preferred low cost call carrier or a least expensive low cost call carrier. The database includes access telephone numbers, clearance code data (i.e., PIN numbers), cost of call rate data for specific destinations, specific days of the week, date and time of day for a plurality of telecommunications carriers.