The ionic quantity across the channel of the cell membrane decides the cell in a certain life state. The theory analysis that existed on the bio-effects of the electro-magnetic field (EMF) does not unveil the relationship between the EMF exerted on the cell and the ionic quantity across the cell membrane. Based on the cell construction, the existed theory analysis and the experimental results, an ionic probability wave theory is proposed in this paper to explain the biological window-effects of the electromagnetic wave. The theory regards the membrane channel as the periodic potential barrier and gives the physical view of the ion movement across cell-membrane. The theory revises the relationship between ion's energy in cell channel and the frequency exerted EMF. After the application of the concept of the wave function, the ionic probability across the cell membrane is given by the method of the quantum mechanics. The numerical results analyze the physical factors that influences the ion's movement across the cell membrane. These results show that the theory can explain the phenomenon of the biological window-effects.