This research study employs the percentage method to analyze the response of some selected bank employees and customers in Awka the Anambra State Capital. From the view point of the banks the result of the analysis showed that the adoption of E- banking and the provision of E-banking channels has not led to increased productivity and some of the challenges faced in the provision of banking services to customers which includes power failure, breakdown of ATM machine unavailability of bandwidths for connection to a network among others has really affected the ability of the banks to provide adequate and satisfying services to their customers and that customers are not properly utilizing electronic banking channels that is made available. From the customers point of view, it was deduced from the result that most customers do not use the ATM which is the most popular electronic banking channel and the few customers that know how to use the ATM do not know how to use it