A method of accessing a dial-up service involves the following steps: (a) dialing a service number (172); (b) speaking a number of digits to form a first utterance (174); (c) recognizing the digits using speaker independent speaker recognition (176); (d) when a user has used the dial-up service previously, verifying the user based on the first utterance using a speaker verification system (178); (e) when the user cannot be verified, requesting the user enter a personal identification number (182); and (f) when the personal identification number is valid (184), providing access to the dial-up service (186).