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This study is conducted to identify the factors that motivate the customers to select commercial banks for their valuable transactions. Necessary data are collected from 206 respondents. It is found that easy account opening is the most important variable as it has the highest mean value 4.25. From varimax rotation matrix it is observed that responsiveness is the most important factor to customers which includes friendliness, personality, counseling and foreign exchange service. Special services such as loan and deposit schemes, electronic fund transfer service, cash management service, merchant banking, supporting the customer in bad time have also been found as important. Convenience, assurance, reliability and safety factors are also of considerable importance to customers to choose a bank. DOI: http://dx.doi.org/10.3329/jbt.v7i2.16452 Journal of Business and Technology Vol.7(2) 2012: 19-35

Banks are the financial institutions that provide different services through depositproducts, loan-products, etc. Debit card is one of the prominent card services related to deposit-products, which offers customers 24- hours banking access, such as cash withdrawal, purchasing of goods and services, etc. But sometimes customers are to face many problems i.e. non-availability of Taka, network problem, lack of desired value denominated notes and so on. This paper reveals how much debit card users of banks in Bangladesh are satisfied. Findings reveal that on an average debit card users are satisfied. Regarding availability of Taka in the ATM booth, users are most satisfied and regarding network service users are least satisfied. By improving network service, providing receipt after transactions and solving of problems promptly, banks can make their debit card users fully satisfied.Key words: Debit card; Customer satisfaction; Electronic banking.DOI: http://dx.doi.org/10.3329/jbt.v5i2.9937Journal of Technology (Dhaka) Vol. 5(2), July-December, 2010 88-103