The function of ChatGPT in the decision-making processes of private commercial banks in Bangladesh is examined in this empirical study. A 16-item survey was used to gather data from 100 banking professionals working for nine private banks using a quantitative research approach. Use of ChatGPT is common yet cautious, mostly at tactical decision levels, according to analyses employing descriptive statistics, reliability testing, correlation, regression, and chi-square tests. Human monitoring and governance are still essential for the responsible use of AI, but ethical issues, cognitive biases, and employee resistance stand out as the primary obstacles. Strong governance, strategic-level ChatGPT use, and faith in AI's future promise are important indicators of greater integration, whereas formal rules and infrastructure have little direct influence. According to the report, ChatGPT must be transformed from a supplemental tool to a strategic asset through the implementation of thorough AI governance frameworks, improved training, and IT advancements. In order to promote the ethical and sustainable deployment of AI in banking, bank management, legislators, and AI developers may benefit greatly from the findings. To improve AI efficacy and confidence, future research should examine diverse governance models, comparative sectorial studies, and cultural preparedness.