Here I always thought it was the accepting of Christ as ones saviour.
Well now you know better.
Yep. Silly Bible.
You may consider reading the whole Bible not jsut the cliff notes your pastor gives you.
1 Peter 3:21 This prefigured baptism, which saves you now. It is not a removal of dirt from the body but an appeal to God 7 for a clear conscience, through the resurrection of Jesus Christ, 22 who has gone into heaven and is at the right hand of God, with angels, authorities, and powers subject to him.