Currently the users operate the Automated Teller Machine(ATM) in-contact mode with Single Factor Authentication (SFA), usually with a static 4 Digit Personal Identification Number (PIN), which is not safe and secure. The ATMs often suffer from attacks and frauds. In this paper we are proposing a novel solution to overcome the ATM frauds and attacks. ATM can be operated in contact-less, Multimodal and Two Factor Authentication (TFA) mode, that enables transactions highly secured and provides safety to user in this COVID-19 pandemic. The work carried out is strictly in conjunction with RBI Authentication guidelines. The application that has been designed verifies a customer at three different levels. The application is designed and tested out with 200 samples with these considerations: i) Success rate of OTP with two Patterns - Digit and Alpha-numeric along with time restriction ii) Total Success rate of Authentication at Second and third levels using TOTP by memorizing or by writing it or by any other means marking completion of Authentication. A detailed survey of RBI reports is also made to bring out the usage of ATM transactions and number of ATM frauds committed. The work also identifies suitable pattern and time to be used for OTP and make it more secured. Keywords: OTP, TOTP, PIN, Two Factor Authentication, Retention.