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Every Customer Should Have Confidential Information. These Are Wants To Maintain In A Secure Manner. Online Banking System Can Be Considered As The One Of The Great Tool Supporting Many Customers As Well As Banks And Financial Institutions To Make May Bank Activities. Every Day Banks Need To Perform Many Activities Related To Users Which Needs Huge Infrastructure With More Staff Members Etc. But The Online Banking System Allows The Banks To Perform These Activities In A Simpler Way Without Involving The Employees For Example Consider Online Banking, Mobile Banking And ATM Banking. But Banking System Needs To Be More Secure And Reliable Because Each And Every Task Performed Is Related To Customer’s Money. Especially Authentication And Validation Of User Access Is The Major Task In The Banking Systems. Usable Security Has Unique Usability Challenges Because The Need For Security Often Means That Standard Human-computer-interaction Approaches Cannot Be Directly Applied. An Important Usability Goal For Authentication Systems Is To Support Users In Selecting Better Passwords. Users Often Create Memorable Passwords That Are Easy For Attackers To Guess, But Strong System-assigned Passwords Are Difficult For Users To Remember. So Researchers Of Modern Days Have Gone For Alternative Methods Wherein Graphical Pictures Are Used As Passwords. The Major Goal Of This Work Is To Reduce The Guessing Attacks As Well As Encouraging Users To Select More Random, And Difficult Passwords To Guess. Well Known Security Threats Like Brute Force Attacks And Dictionary Attacks Can Be Successfully Abolished Using This Method.