Banks have invested heavily in developing online competence in the hope of attracting customers to the new, cheaper service channel. This paper attempts to investigate customers' perception of different time usage of banking website services. This paper adopts a convenient sampling strategy and chooses Northern Taiwan residents to be subjects. Research findings are as follows. It means two different types of customers (i.e., short-time usage and long-time usage online banking customers) have different value perceptions of exploration factor, security factor and specialty information service factor but similar evaluations of transaction technicalities factor, decision-making convenience factor and interactive interrogation factor.