The banking sector in India has undergone rapid transformation, shaped by regulatory reforms, technological adoption, and shifting customer expectations. Understanding the factors that guide consumers in choosing between public and private sector banks is essential for improving service strategies and sustaining competitiveness. This study investigates key determinants influencing customer bank selection in Haryana, using data from 592 respondents. Six major factors were assessed: customer service, technology and innovation, product variety, efficiency and speed, brand image and marketing, and convenience and comfort. One-sample statistics and one-sample t-tests were applied to evaluate whether customer perceptions differed significantly from a neutral benchmark. The findings indicate that efficiency and speed, along with brand image and marketing, are the most influential determinants of bank preference. Customer service and convenience also significantly shape decision-making. In contrast, technology and innovation and product variety do not show significant deviation from the test value, suggesting these factors hold comparatively less weight for customers in this region. The study contributes to the understanding of consumer banking behavior in India and offers insights for banks seeking to enhance customer engagement and strengthen their competitive position