Trust is one of the most important factors for the development of electronic banking. The purpose of this study is to determine effective factors on trust in e-banking in the form of a conceptual model. Due to the rapid growth of electronic banking in the country, identifying the factors affecting trust in e-banking is very important. The population of this study includes customers of Melli Bank in Urmia. We used structural equation modeling with Lisrel 8.80 for testing hypotheses. Results show that independent variables, including familiarity with electronic banking, tendency to trust, structural confidence and reputation, affect mediator variable, i.e. trust creator beliefs; and trust creator beliefs affect the dependent variable, i.e. trust on electronic banking. Therefore, trust creator beliefs playa mediating role in relationship between independent and dependent variables. The results of this research can be used by public and private banks' top management.