FL310 I suppose suggesting AOL is a little silly as you are clearly wanting a direct access but AOL does give 24/7 access for a flat annual fee..and no phone charges. AOL does time out if you are not actively "interacting" for a period of 45mins...otherwise it is always there and only rarely does my first access # not connect. AOL offers a selection of "best numbers" depending on your phone service provider.
Just a thought.