Pat Zaby's
DIGITAL EDGE FOR REALTORS
Strategies that keep your clients coming back—and referring more. Tips and tools to strengthen your real estate connections.

Intentional Deposits in Their Emotional Bank Account
Tuesday, October 13, 2026

Stephen Covey taught a powerful lesson about trust.  He described it as an Emotional Bank Account. Every interaction you have with another person is either a deposit or a withdrawal.  That idea applies directly to your real estate business.

Every conversation, follow-up, email, text, social post, handwritten note, and client meeting either strengthens trust or weakens it. Sometimes the deposit is large. Sometimes it is very small. But over time, those deposits add up.

Active listening is a deposit.  When a client shares a concern, you do not interrupt, dismiss it, or rush to the next point. You listen carefully. You acknowledge what they are feeling. You respond thoughtfully.

Keeping your word is a deposit.  If you say you will send a list of homes, follow up with a market update, recommend a service provider, or check on a question, do it. And do it on time.

Showing appreciation is a deposit.  A simple thank you can mean more than you think. A handwritten note, a quick message after a referral, or a small gesture of gratitude reminds people that you value the relationship, not just the transaction.

Honesty and transparency are deposits too.  Sometimes you have to deliver tough news. A price adjustment may be needed. An inspection issue may create concern. A buyer may need to slow down and reconsider. Being upfront may not always be easy, but it builds long-term credibility.

Withdrawals work the other way.  Not following up is a withdrawal. Delayed responses, forgotten promises, and missed details make clients question your reliability.

Overpromising and underdelivering is a withdrawal. It creates expectations you may not be able to meet.  Being too transactional is another withdrawal. People notice when they are treated like a sale instead of a valued relationship.

The goal is to keep your Emotional Bank Account in the positive. When you have made enough deposits, trust becomes stronger. Clients are more patient when challenges arise. They are more likely to listen to your advice. They are more willing to refer you because they believe you will take care of the people they send your way.

This does not only apply to active clients.  It also applies to your entire sphere of influence.

Educational and informational content gives you a way to make regular deposits with many people at once. An every-other-week newsletter, helpful homeowner tips, market updates, maintenance reminders, and consumer-focused social posts all say, "I am still here. I am still paying attention. I am still a resource you can trust."

That is how relationships stay warm between transactions.

InTouch Systems can help make consistent communication with your sphere much easier. Visit the website to explore the videos, sample posts, and consumer newsletters that can be automatically sent and posted for you. If you are still not convinced, schedule a personal demo and see how it could work for your business.

National Trainer Pat Zaby

Pat Zaby is a distinguished leader in the real estate industry, serving as a charter member of the Residential Real Estate Council (RRC) and a past national president. With a career spanning over five decades, he has been a senior instructor since 1983, earning recognition as a national speaker, author, and developer.

His extensive contributions have established him as a respected authority in the field. As the co-owner of InTouch Systems, a digital marketing company, Pat continues to provide valuable insights and resources to real estate professionals, helping them thrive in an ever-evolving market.

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Achievements

  • Lifetime Achievement Award 2024 – Residential Real Estate Council
  • Over 200 articles published in national real estate periodicals
  • Senior instructor for the Residential Real Estate Council
  • Convention speaker at the NAR® and numerous franchise and state associations of REALTORS® for over 25 years
  • Past President, Residential Real Estate Council
  • Past President - REALTORS® National Marketing Institute®
  • Recipient of Omega Tau Rho, National Association of REALTORS®
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