This research examines the role of Computer Self-Efficacy (CSE) at three distinct levels of user perceptions (low, mid and high) and the adoption of online banking. The study employs the extended Technology-Acceptance Model (TAM) as the theoretical framework. Based on the data from a sample of 133 customers collected through a field survey, it was found that perceived usefulness and perceived ease of use were strong determinants of the behavioural intention to adopt internet banking. CSE was more important at low and mid levels of user-perceived usefulness and ease of use than at high level of perception. Implications of the findings are discussed.