Six Major Deposits that Build
the Emotional Bank Account

(How to Build Trust in a Relationship)

1. Work on understanding the other person.

  • What is important to the other person must be as important to you as the other person is to you.
  • True understanding of others requires that you listen for understanding not in order to respond.

2. Attend to the little things.

  • Little kindnesses and courtesies as well as little discourtesies and unkindnesses are important.
  • In relationships, the little things are the big things.

3. Keeping commitments

  • Keeping a commitment or a promise is a major deposit; breaking one is a major withdrawal.
  • Being unwilling to make any commitments is as much a withdrawal as making them and not keeping them.

4. Clarifying expectations

  • The cause of almost all relationship difficulties is rooted in conflicting or ambiguous expectations around roles and goals.
  • You make deposits when you make expectations clear and explicit in the beginning.

5. Showing personal integrity

  • Integrity includes but goes beyond honesty. Honesty is telling the truth — in other words, conforming our words to reality.
  • Integrity is conforming reality to our words — in other words, keeping promises and fulfilling expectations.

6. Apologizing sincerely when you make a withdrawal

  • Sincere apologies make deposits.
  • Repeated apologies interpreted as insincere make withdrawals.

Excerpted from The 7 Habits of Highly Effective People by Stephen R. Covey


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