Union Telecom did not tell me that they do not return the "security" deposit - they simply provide a calling card, with outrageous per minute charges. Their lines have a lot of static. They drop lines and rebill the $0.39 connection charge. My effective rate on calls to UK including Union's bogus "taxes and fees" was over $0.10 per minute. Union Telecom is a poor choice if your average phone call length is under 10 minutes. The $0.39 connection charge doubles the rate. They billed me for 353 minute call to UK - my calls are usually under 5 minutes. Had to fight to get that call removed from my bill. They also are quick to slap a $9.95 late payment fee. Union Telecom does not bill to a credit card because they know consumers will dispute the charges and credit card companies will black list Union. Reliance does not engage in any of the nefarious practices of Union Telecom. Try calling the Union Telecom customer service line before signing up - you'll have static on the line, poor phone manners, etc. That should tell you to run from Union.