The most significant tool for any commercial to grow and growth profits in this era is by information technology (IT). Due to the technology revolution, online banking represents one of the largest economies in the world wide in general and particularly in Middle east. For these reasons, this study investigates the factors impacting online banking usage by Saudi Arabia bank customers. Moreover, due to the limited studies regarding the adoption of online banking in Saudi Arabia . This study is investigated on the different factors that impact the adoption of online banking services. An initial od proposed adoption model of online banking was developed from several theoretical studies. The mode incorporated of the most significant factors of online banking adoption. These factors named personal information, personal experience, disposition to trust, reputation, trusting belief, structural assurance and perceived site quality that affect online banking usage. The model was tested against both measurement and structural models. The results indicated a strong correlation with personal information and the most significant effect on online banking usage, followed by all other hypotheses with P values <0.005, which indicates that all hypotheses have a strong effect on online banking adoption. Finally, the results are discussed with suggestions for future researches.