Abstract: The method and apparatus of the present invention enable the use of a single wireless mobile user communications device to transact communications sessions using a plurality of communication modes, both wireless and wire-lined. The single wireless mobile user communications device is comprised of a reduced instruction set processing unit, a digital signal processor unit, a novel multi-mode tunable transceiver, and a memory to direct operation of the communications device in such a way that the transceiver continuously samples a plurality of wireless communication modes, and upon receiving a request to establish a communications session, selects the one of the plurality of communication modes having the optimum signal characteristics as the transaction medium for that particular communications session.