Unconsolidated and permeable alluvial deposit composed of sand and gravel is distributed along the fluvial plain at the Iryong study area. Previous studies on the area show that a single alluvial well can produce at least 1,650m3d-1 of bank infilterated shallow groundwater(BIGW) from the deposit. This study is aimed to evaluate and simulate the influence that seasonal variation of water levels and temperatures of the river have an effect on those of BIGW under the pumping condition and also to compare seasonal variation of COPs when indirectly pumped BIGW or directly pumped surface water are used for a water to water heat pump system as an heat source and sink using 3 D flow and heat transport model of Feflow. The result shows that the magnitude influenced to water level of BIGW by fluctuation of river water level in summer and winter is about 48% and 75% of Nakdong river water level separately. Seasonal change of river water temperature is about $23.7^{circ}C$, on other hand that of BIGW is only $3.8^{circ}C$. The seasonal temperatures of BIGW are ranged from minimum $14.5^{circ}C$ in cold winter(January) and maximum $18.3^{circ}C$ in hot summer(July). It stands for that BIGW is a good source of heat energy for heating and cooling system owing to maintaining quite similar temperature($16^{circ}C$) of background shallow groundwater. Average COPh in winter time and COPc in summer time of BIGW and surface water are estimated about 3.95, 3.5, and about 6.16 and 4.81 respectively. It clearly indicates that coefficient of performance of heat pump system using BIGW are higher than 12.9% in winter time and 28.1% in summer time in comparision with those of surface water.