The paper presents theories regarding characteristics of consumer behavior of young customers on the basis of relevant literature and development of electronic banking in the world and in Poland. Aim of this article is to determine attitude of young consumers towards electronic banking based on a survey among group of selected students. This seems especially important because current young consumers are increasingly better educated and are able to determine their needs very precisely. They access information quickly which enable them to determine whether the offer meets their expectations-banking services are no exception. Results of studies may help both the bank management to formulate marketing strategies to promote virtual banking and scientists in the study of virtual banks and virtual organizations in general.