Many churches today teach all a person has to do to be saved is “accept Jesus Christ as your personal savior.” Assuming it means the same as believing “with all thine heart” (Acts 8:37), accepting Christ as your personal savior is a good thing. The problem is that that isn’t all a person has to do to be saved.
To show this, we can substitute “accept Jesus Christ as personal savior” into Mark 16:16a. The passage would read “He that accepts Jesus Christ as his personal savior and is baptized shall be saved.” See what I mean? – there is more to being saved than just believing in Jesus.
The truth is that accepting Christ and obeying Christ are both required to be forgiven of sins by the blood/death of Christ. Talking about Jesus, Hebrews 5:9b reads “he became the author of eternal salvation unto all them that obey him.” Matthew 7:21 proves the same as it reads “not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven.” Obedience is required to become saved (Acts 2:38, 22:16, I Peter 3:21), and obedience is required to stay saved (Revelation 2:10b, II Peter 1:10 “for if ye do these things, ye shall never fall”).
Galatians 5:6 teaches that what avails is “faith which worketh by love.” We must have all three attributes. Leaving off faith won’t work, even if we possess the other two attributes. Neither will leaving off working. And neither will leaving off love.