Automated Teller Machine (ATM) is an expedient way to access a bank account from anywhere and at any time to perform transactions like cash withdrawal, make deposits & transfer of funds. The ATM has become insecure due to tremendous increase in the number of criminals and their activities. ATM systems today use an access card and Personal Identification Number (PIN) for identity verification. In this paper, security of ATM has been improved by using an embedded system with three levels of securities. First level is access card with PIN; second level is biometric technique and third is One Time Password (OTP). The biometric that we have used is fingerprint. A tilt sensor is also used to alert about the robbery of cash from the ATM. The main motive of these techniques is to diminish and stop the attacks on ATM. The development of such an ATM system would protect consumers and financial institutions from intruders and thieves. In addition to these, the system allows only one nominee user to access the account instead of the main user in case of emergency.