The main objective of this research is to investigate the web banner ad effect that consist of the recall of advertising, recognition of advertising, memory of advertising, attitude toward advertising, and click intention under different environments such as competitive interference of ad (high/low), informative of ad, relevance of content (relevant/irrelevant), and content involvement (high/low). The study utilized a 2*2*2 factorial experimental design. "Cellular Phone" is selected as an experimental product in producing the target product. We made proper questionnaire to investigate the college students, and collected 80 valid samples. Analyzing the data by MANOVA statistical method, the major findings are: (1)The competitive interference of ad has significant difference on the banner ad effect; (2) The informative of ad has significant difference on the banner ad effect; (3) The relevance of content has significant difference on the banner ad effect. The irrelevance ad has the better banner ad effect; (4) The content involvement has not significant difference on the banner ad effect.