Information technology has a major impact on the operations of banks. Banks are operating much easier, cost is lower, banking market has been increased and they have changed its services. Banks today, except through classical channel, their business monetize through ATMs, phone, SMS, Internet and mobile phones. Almost all of the bank services are available via the Internet and visiting banks is almost unnecessary. As a result, less crowd is in the banks and the cost for the banks has been reduced. All banking services are available 24 hours a day and the use of them have become more comfortable to the customers. The difficulty in this type of business is security, however, banks in Croatia are using the most modern security systems and the possibility of negative experiences are reduced to a minimum and is mainly associated with users’ ignorance. A number of people won’t use banks services, because of not enough knowledge or luck of trust. Banks are systematically working on how to approach the users of its services, and every year the number of users of Internet banking increases. Without the introduction of information and communication technology in their business, banks can’t survive on the market, or be competitive enough. It is necessary to offer quality service and security systems, in order to users have trust in the services of banks and were satisfied with the service