We all know what a financial bank account is. We make deposits into it and build up a reserve from which we can make withdrawals when we need to. An Emotional Bank Account is a metaphor that describes the amount of trust that’s been built up in a relationship…If I make deposits into an Emotional Bank Account with you through courtesy, kindness, honesty, and keeping my commitments to you, I build up a reserve. Your trust toward me becomes higher, and I can call upon that trust many times if I need to. I can even make mistakes and that trust level, that emotional reserve, will compensate for it. — Stephen R. Covey on The Emotional Bank Account
How do we build Trust? The Trust Bank Account
By looking at the different facets of Trust we get an idea of how we can build Trust – as Stephen R. Covey (the senior) would put it – How do we make deposits?

Sincere – we both mean what we say; There are no hidden agendas between us
If we notice hidden agendas or question another’s motives, there is a breakdown in trust. To repair this breakdown we might:
- Ask people to share what’s in it for them, in being part of this initiative
- Have everyone share what ‘success’ means for them
- Ask the other person to clarify what they mean by _________
Competent – we have the skills & motivation to do what we commit to
“There is one thing that is common to every individual, relationship, team, family, organization, nation, economy and civilization throughout the world — one thing which, if removed, will destroy the most powerful government, the most successful business, the most thriving economy, the most influential leadership, the greatest friendship, the strongest character, the deepest love. On the other hand, if developed and leveraged, that one thing has the potential to create unparalleled success and prosperity in every dimension of life. That one thing is trust.” — Stephen M.R. Covey