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Access control has been a great concern in this Information and Communication Technology (ICT) era. The need to control access to certain information and resources has been taken seriously by the ICT community. This paper believes that no single security method, algorithm, key or procedure is entirely secure. Hence, a combination of multiple security compliments is mandatory to provide a high level of protection against fraud and other threats. This paper combines two security components which are the magnetic stripe card and fingerprint recognition. It looks into the vulnerabilities of magnetic-stripe cards authentication combined with Personal Identification Numbers (PIN) or passwords widely used on Automated Teller Machines (ATMs) today. As a result, the paper proposes a framework for user identification and authentication in Automatic Teller Machines (ATMs) using Personal Identification Numbers (PIN), fingerprints and magnetic stripe cards as opposed to the PIN and magnetic stripe cards authentication method.