Will we held accountable for every word we speak?

Question:
I heard that every word we speak is either for us or against us. How is that applicable on every word, even in a general conversation?

Response:
There are three types of things we say: those that are good, for which we are going to be rewarded; those that are bad for which we are going to held accountable; and those that are neither this nor that, like many things we say in our daily routine, which are going to be ignored. As the Almighty says:

"Allah is not going to make you accountable for the casual oaths you make".

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