The security of automated teller machine (ATM) transactions can be further strengthened using the three-level authentication system where the user is authenticated with what he has (ATM card), what he knows (personal identification number (PIN)) and what he is (fingerprint biometrics). The aim of the project is to introduce a system where the ATM authenticates and verifies the true identity of the user. The use of fingerprint biometric in conjunction with existing authentication methods will eradicate fraudulent act and improve effective ATM transactions. The fingerprint concept is chosen because of its uniqueness with high level of accuracy, reliable and affordable. The project, therefore, describes the simulation of an ATM with the capability of the combination of card, PIN and fingerprint biometrics based authentication with a view to provide a more reliable online banking transaction on ATM.