When responsibilities increase and stresses come in the marriage, we tend to revert to the scripts we were given as we were growing up. But so does our spouse.

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. My communication may not be clear, but you’ll get my meaning anyway. You won’t make me “an offender for a word.” When the trust account is high, communication is easy, instant, and effective. But if I have a habit of showing discourtesy, disrespect, cutting you off, overreacting, ignoring you, becoming arbitrary, betraying your trust, threatening you, or playing little tin god in your life, eventually my Emotional Bank Account is overdrawn. The trust level gets very low. Then what flexibility do I have? None. I’m walking on mine fields. I have to be very careful of everything I say. I measure every word. It’s tension city, memo haven. It’s protecting my backside, politicking. And many organizations are filled with it. Many families are filled with it. Many marriages are filled with it. If a large reserve of trust is not sustained by continuing deposits, a marriage will deteriorate. Instead of rich, spontaneous understanding and communication, the situation becomes one of accommodation, where two people simply attempt to live independent life-styles in a fairly respectful and tolerant way.

Let me suggest six major deposits that build the Emotional Bank Account.

Understanding the Individual

Really seeking to understand another person is probably one of the most important deposits you can make, and it is the key to every other deposit. You simply don’t know what constitutes a deposit to another person until you understand that individual. What might be a deposit for you—going for a walk to talk things over, going out for ice cream together, working on a common project—might not be perceived by someone else as a deposit at all. It might even be perceived as a withdrawal, if it doesn’t touch the person’s deep interests or needs.

Because they have a high Emotional Bank Account, they have trust and open communication in their marriage. Because they think Win/Win, they believe in a third alternative, a solution that is mutually beneficial and is better than what either of them originally proposed. Because they listen empathically and seek first to understand, they create within themselves and between them a comprehensive picture of the values and the concerns that need to be taken into account in making a decision. And the combination of those ingredients—the high Emotional Bank Account, thinking Win/Win, and seeking first to understand—creates the ideal environment for synergy.

Many difficulties in relationships stem from old habits. We develop automatic, reflexive behaviors over the course of our lives that become so intimately woven into our days that we don’t even see them. In some cases, we become used to avoiding certain feelings and turning away, while in other cases we might be so overcome by emotion that we act on our feelings before we realize it.