In today's digitally enabled world, banks use ChatGPT to handle customer inquiries, expedite service encounters, and provide intelligent, human-like responses; thus, ChatGPT has grown in popularity within the banking sector. The purpose of this study is to investigate the key factors of ChatGPT that influence consumer banking decision-making at Jordanian commercial banks. To accomplish the study's goals, the researcher employed a descriptive-analytical approach. The study sample consists of 445 customers with valid accounts at commercial banks in Amman city. The total number of valid and completed questionnaires was 419 and included in the final analysis. The reported results demonstrate a significant impact of ChatGPT factors that include credibility, informativeness, interaction, content suitability, perceived trustworthiness, and personalization on consumers' banking decision-making. The results can help banks develop a digital plan to enhance consumer awareness and boost benefits, which allows them to overcome challenges when utilizing AI for transactions. ChatGPT banking services are still in their early phases in Jordan. Few empirical studies have examined actual user behavior, and this study may give valuable insights to scholars and practitioners.