Ringyard doesn't charge a monthly fee. I think its about 20 cents/minute. You have to set the service for one specific phone (your cell, or your home phone). For the last couple years they do promos every few months where they text an offer to add $5 credit if you topup at least $5; that was a good deal lol. May have to call them afterward for them to activate their free credit. They have good customer service.

I figure anyone who wants to talk to me can find $120j to topup their phone. I got a call last night and they wanted to talk long because they would get bonus credit if we stayed on the line a certain amount of time.