How to accurately detect cloud and snow in the remote sensing imagery is an open problem for the remote sensing application. For only visible and near infrared band in HJ-1A/B CCD images, the cloud detection algorithm using the shortwave infrared and thermal infrared band is restricted by the band-lacking problem. Based on the multi-temporal information of the HJ-1A/B CCD images, a new algorithm is proposed in this paper. Using available images in one month, a cloud-free reference image was firstly composed. Then, the cloud and snow pixel are separated through the difference of the blue band between the reference and each date. Subsequently, the regional covariance matrix is computed further to eliminate the non-cloud pixels. The test result shows that, the overall accuracy is about 85.96% to 93%. It indicates that the proposed method can integrate the temporal and texture information to improve detection accuracy for the cloud and snow.