If I can interject — It's always good to be mindful of what church body has produced the study Bible, because they do say different things. There's really no such thing as a "regular" or neutral study Bible. If you want something neutral, then you want to avoid study notes altogether and rely entirely on God's Word.
For a quick comparison, 1 Peter 3:21, says:
"Baptism, which corresponds to [the flood], now saves you, not as a removal of dirt from the body but as an appeal to God for a good conscience, through the resurrection of Jesus Christ"
Here's a note from the NIV Study Bible (Calvinism / Arminianism):
"... In reality, believers are saved by what baptism symbolizes. ..."
And here's what the Lutheran Study Bible says:
"... By grace, Baptism is a means of salvation through which the Holy Spirit produces faith (cf Ephesians 5:25-27) ..."
So, simply, the Bible says:
"Baptism ... saves you ...", and the Calvinist and Arminian commentaries say
"Baptism doesn't save you", but Lutheran, Anglican, Roman Catholic, and Eastern Orthodox say:
"Baptism saves you."
If you want a good free commentary, I can recommend one I'm working on publishing, by Kretzmann. So far, Matthew, Mark, and Luke are online here:
HOLY BIBLE – Luco