My first foray into dial-up was in about 1983, dialling into EMAS ICL-2900 in Edinburgh, and also Robert Gordon's DEC-20.
This was 300 baud, ( not acoustic coupled, but a grey old-fashioned GPO telephone with built-in modem and big radio-pushbuttons for voice and data ).
The 'Terminal' was an Apple ][ running a self-written very simple terminal emulator, which simply echoed keystrokes out the serial port ( on an add-in card, IIRC ), and echoed serial in to the display.
This required ( as do all my RS-232 projects, it seems ) burning your fingers making up custom leads with the necessary crossover-ness and RTS/CTS and DTR/DSR jibbling to make it work.