1. An apparatus configured to authenticate an individual who is initiating a bank account transaction as having authorization to access the bank account, the apparatus comprising: an imaging device configured to obtain a real time image of two or more facial features of the individual; a memory device comprising bank account-associated image files, each bank account-associated image file comprising one or more recorded images of one or more facial features of one or more persons who are authorized to access the bank account; a processing device communicably coupled to the imaging device and the memory device, wherein the processing device: receives a level of accuracy number from the individual, wherein the level of accuracy number is, at least, two, wherein the level of accuracy number is received prior to when the individual initiates the bank account transaction; receive selections, by an entity other than the individual, of facial features of the individual to be used in authenticating the individual for the bank account transaction, wherein a number of facial features selected by the entity is based at least partially on the level of accuracy number received from the individual, wherein a number of successful matches of facial features required to grant bank account access is based at least partially on the level of accuracy number received from the individual, wherein the entity selecting the facial features of the individual to be used in authenticating the individual is an entity associated with the bank that maintains the bank account; obtain, using the capture device, the real time facial image of the individual; select two or more facial features shown in the obtained real time facial image of the individual based on the selection of facial features by the bank to match to thereby grant access to the bank account; compare each of the two or more facial features selected by the processing device obtained real time image to a plurality of facial features of the one or more recorded facial images; detect matching facial feature image pairs when each of the facial features of the individual that was selected by the bank matches successfully with, at least, one of the plurality of facial features of the one or more recorded facial images; provide a default authorization for accessing the bank account access when the processing device fails to identify the bank account associated image file, the default authorization comprising: a) providing, via a communication interface, a notification, to the individual, indicating that the processing device failed to verify the financial account based on failing to identify the image file that is linked to the financial account; b) requesting, from the individual, permission to obtain, during the default authorization, at least one facial image of the individual in real-time; c) obtaining, during the default authorization, the at least one facial image of the individual in real-time based at least partially on receiving the permission from the individual; d) generating a new image file and linking the new image file to the financial account; e) storing the at least one facial image of the individual obtained during the default authorization in the new image file that is linked to the financial account; and grant to the individual access to the bank account when the processing device detects that the number of facial features selected by the bank for matching is satisfied and that each of the selected facial features match, at least, one of the plurality of facial features of the one or more recorded facial images.