Customers have different percepton in selecting a bank for service delivery. This study investigated the determinants of customers’ choice of Deposit Money Bank in Lapai, Niger State, focusing on factors such as reputation, service quality, and technology. The research adopts a quantitative research design through a survey research method. The study utilized a purposive sampling technique to sample 80 small business owners that operates with UBA and First bank Lapai branches. Structural questionnaire was used to collect a primary data and analysed with the aid of SPSS version 26.0. The findings show that reputation, service quality, and technology have significant effect on customers’ choice of DMBs in Lapai Niger State. The study recommends that the banks in Lapai should maintain their reputation, improve service quality and invest in advanced technological for better service delivery to the customers.