The research aimed at analyzing the factors that affect the students of Madrasah Aliyah Mu’allimin Muhammadiyah Yogyakarta not to save in Bank Syariah (Islamic Bank) with the research variables of culture, knowledge, and marketing. The research type was explorative descriptive by using primary data. The samples of the research were 100 respondents selected by using random sampling. The analysis tool used to analyze the data was binary logistic regression using SPSS. Based on the research conducted, the three variables of culture, knowledge, and marketing had significant effect toward the dependent variable which was the decision of Madrasah Aliyah Mu’allimin Muhammadiyah Yogyakarta students not to save in Bank Syariah. Keywords: Bank Syariah, culture, knowledge, marketing