This research aims to examine and analyze the Effect of Co-Creation, Communal Activation and Caring on Customer Decision using Banking Services of Bank BTN that Impact on Customer Satisfaction (Case Study Student Card Utilization in Faculty of Da’wah and Communication UIN Walisongo Semarang Co-Branding Bank BTN). The population in this research is active students Faculty of Da’wah and Communication period 2016 - 2017. The sampling method used is purposive sampling with main criteria are having and using student card at least one times. The type of data used in this study is primary data obtained directly from the results of questionnaires distributed to 233 respondents. The method analysis used in this research is Multiple Linear Regression with Statistical Product Service Solution (SPSS) software version 24. Result of research indicate that Co-Creation has significant effect on Customer Decision, Communal Activation has significant effect on Customer Decision, Caring has significant effect on Customer Decision; Co-Creation, Communal Activation and Caring have significant effect on Customer Decision simultaneously; and Co-Creation, Communal Activation, Caring and Customer Decision have significant effect on Customer Satisfaction simultaneously