Customers’ acceptance and trust are one of the important and effective factors on internet banking. The present research is aimed at exploring into the effective factors on E-banking acceptance by the customers and interpretation of behavioral difference in customers of Refah Bank. Hence, 6 effective factors on E-banking were investigated by the aid of Pikkarainen Model[1]. The variables of perceived usefulness of internet banking services, the perceived ease of use, the perceived enjoyment, having information about internet banking, the perceived security and privacy, and also the perceived quality of internet connection were tested. The results have shown that among six independent variables in this study, five variables had significant relationship with variable of internet banking acceptance and only the relationship among two variables of the perceived ease of use of electronic service and internet banking acceptance was renounced. The values of path standard coefficients indicate that the variables of having information about internet, and the perceived usefulness along with path standard coefficients (0.245 and 0.238, respectively) play the highest role in prediction of dependent variable of internet banking acceptance. Similarly, among 6 independent variables, the lowest path coefficient with value of 0.131 belongs to variable of the perceived ease of use of internet banking shows that this variable plays the least role in prediction of variable of E-banking acceptance variable.