The aim of the study is to identify the determinants of adoption rate of e banking in Ghana. The data were collected with self-administered questionnaire and interview. The Questionnaires were distributed to only current account holders of commercial banks and who visit the bank at least twice in a week in the greater Accra region of Ghana and 310 out of 500 completed questionnaires were collected from the respondents. Descriptive analysis, mean, standard deviation, Cronbach’s Alpha, Pearson correlation and regression analysis, were performed to analyze the data. The findings revealed that both dimensions: convenience and accessibility had a significant and positive relationship with adoption rate. The study suggested that Managements of commercial banks in Ghana should strive to introduce banking through constant communication of its benefit to clients.