Two step verification of ATM card is required to prevent the illegal access of an account. This paper describes the two step verification of account by matching the distance of the top, left, right, bottom of the human skull image. The skull of the human is captured by the pseudo 3D image capture at the ATM terminal. The feature points are calculated and encrypted and sent to the server via a secure channel. The encryption is based on bio keys. If the value matches with the encoded value in the database, it allows for withdraw of amount. If not it declines to withdraw.