Biblical Prosperity in Perspective 27

The Believer's Heavenly Bank Account

by Pastor John Hamel


Way back in lesson number ten of this series “Developing the Capacity to Prosper, Part Three,” we took a pretty close look at the Prodigal Son.  He did not understand the difference between being covetous and being in Covenant.  


Therefore, he took a major fall financially.  He received his inheritance from his father and went out into the world, blowing it all on sin and wild living.  He had not developed “muscle” in the realm of handling tremendous financial wealth.  He had not been properly trained, tested or proven before receiving his inheritance.


When he realized his mistake, he returned home, asking his father to forgive him.  His father not only forgave him, but he restored him immediately to a position of dignity and authority.  His father hugged him, kissed him and threw a welcome home party on his behalf.


The Prodigal’s older brother was disgusted by all of this.  He complained to his father that it was wrong to honor his younger brother’s repentance and return.  “After all,” he insisted, “he took all of his inheritance and blew it on harlots and starlets, wine and crime, sin and skin.  He gave you the big burn and you honor his return.  What’s up with that, Daddy-o?”  


I am always fascinated by his father’s response.  


Look what he said.


“And he said unto him, Son, thou art ever with me, and all that I have is thine.” (Luke 15:31)


The father said, “Sure, you’ve been faithful.  You stayed with me when your brother didn’t and I appreciate that.  But don’t gripe because I killed a fatted calf for him.  You want a fatted calf?  Go out back and get one.  They’re all yours anyway.  All that I have is yours.”


Look more closely at that.  The father told the faithful son, “All that I have is yours.”  Did you see that?  Don’t miss it now.  The father said that all he had belonged to his faithful son.


In this narrative Jesus is relaying that everything belonging to the Father belongs to us as His sons and daughters.  Everything.  Period. (Galatians 4:1-7)  God is the wealthiest, most successful Entrepreneur to ever set up shop on this Earth and He is our Father.  He is a good Father, too.  When we obey Him and honor Him with our tithes and offerings, He honors us with supernatural increase.  


As a matter of fact, when we pay our tithes and our offerings obediently, cheerfully and expectantly, we are actually making deposits into bank accounts that the Father has set up in Heaven under each of our individual names.  Some Christians have regarded this as “foolishness”, but the Bible teaches it nonetheless.


Jesus Said Every Believer Has a Bank Account in Heaven

If it is not true that every Believer has a personal bank account in Heaven, then why would Jesus have instructed us to lay our treasures up there?

“Lay not up for yourselves treasures upon Earth, where moth and rust doth corrupt, and where thieves break through and steal: But lay up for yourselves treasures in Heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:” (Matthew 6:19,20)


It is pretty clear from what Jesus states here that we do indeed each have our own personal bank account in Heaven.  Others insist that this account in Heaven does indeed exist but is for use only once we get to Heaven.  


However, that is not what Jesus taught.  Look at verse 20 again and you will see that it says, “…lay up for yourselves treasures IN Heaven…” not “…lay up for yourselves treasures FOR Heaven.”  There is no need to lay treasures up for Heaven.  All the treasure we need is already there waiting for us.  We lay up treasures in Heaven so we can place a demand on them while here on Earth.


The Apostle Paul said some things that make it equally as clear that what we lay up IN Heaven is for use ON Earth in the here and now.


“Laying up in store for themselves a good foundation against the time to come, that they may lay hold on eternal life.” (1Timothy 6:19)


Some Christians read this verse and wrongly assume that Paul’s reference to “against the time to come” is a reference to Heaven.  However, this could not possibly be true.  There is no need for us to lay up in store a good foundation to be utilized in Heaven.  Nowhere in Scripture are we instructed to store anything FOR Heaven.  In Heaven everything is paid for.  Everything is provided for us there.  


It is so important that we not confuse what Paul is saying here.  Paul is telling us to lay up in store for ourselves a good foundation against the times to come here on Earth.  He is referring to the days ahead of us on Earth.  He is telling us to lay hold of all the benefits of Eternal Life right here on Earth.  He made this clear a few verses earlier.


“Fight the good fight of faith, lay hold on eternal life, whereunto thou art also called, and hast professed a good profession before many witnesses.” (1Timothy 6:12)


We do not fight the good fight of faith in Heaven.  We fight it right here on Earth.  We do not wait until Heaven to lay hold of the benefits of Eternal Life.  We lay hold of the benefits of Eternal Life at the very same moment that we are Born Again.  At the very moment of making Christ our Lord and Savior, all the benefits of Eternal Life become ours. Even the Apostle Peter made this clear in his Epistle.


“According as his divine power hath given unto us all things that pertain unto life and godliness, through the knowledge of him that hath called us to glory and virtue:” (2Peter 1:3)


Peter said that by His Divine power, Almighty God has made all the benefits of Eternal Life available to us NOW, through the knowledge of God’s Word.


Jesus, Paul and Peter were not talking about bankrolling a bunch of stuff now to use when we get to Heaven.  They are all talking about bankrolling a bunch of stuff in our Heavenly bank accounts to be drawn upon now, here on Earth.  They are all talking about bankrolling everything that we need to seek and save the lost, to destroy the works of Satan and to live prosperous lives that will draw people to Jesus.


Back there in Matthew 6, where Jesus said, “Lay up for yourselves treasures in Heaven…” the word He used for “treasure” actually means “a protected storehouse.”  We pay tithes and offerings here on Earth and credit for doing so goes into a protected storehouse in Heaven.  There our credit is protected from being eaten by “moths,” corrupted by “rust” and “stolen” by thieves.  These are all metaphorical references to Earth’s unstable economy.


There is no unstable economy in Heaven, which is just further proof of the fact that we do not have to lay up anything for use in Heaven.  Economic instability exists in the Earth only, which is why Jesus said to do the bulk of your banking in Heaven, not on Earth.  We do not need a major bankroll in the sweet by and by.  We need a major bankroll in the semi-sweet here and now to save the lost, break Satan’s back and to be examples of God’s goodness to the suffering people of the world.  This will draw them to Him.


Paul Specifically Referred to Bank Accounts in Heaven


Many Believers are in the same boat as the Prodigal Son’s older brother.  Like him, they believe that everything belongs to the Father and that it is pretty much inaccessible to the family.  The father corrected his older son, explaining to him that everything he owned was also his.  It was just sitting there unclaimed through the older son’s ignorance and fear.  The father had to explain to him that it was his, because somehow he had not been paying attention.  He had been making wrong, unfounded assumptions that were not based on truth.  That is what happens when you do not do your homework. 

Our Heavenly Father is also attempting to explain, through His Word, that all He has is ours; yet, some of us are not paying attention either.  He is trying to explain, through His written Word, that we are free to access that which is His and ours.  Some have no idea in the world that He has set up Heavenly bank accounts in each of our individual names.  These bank accounts can be increased through the timely payment of tithes and offerings.  However, most Believers do not pay tithes and offerings in faith, expecting their accounts to flourish.  Most Believers pay tithes and/or offerings in fear.  As I said, most Believers do not even know they have a Heavenly bank account, never mind that it can be increased and accessed.  Let’s see what Paul said about that.    

“Now ye Philippians know also, that in the beginning of the gospel, when I departed from Macedonia, no church communicated with me as concerning giving AND receiving, but ye only. For even in Thessalonica ye sent once and again unto my necessity.  Not because I desire a gift: but I desire fruit that may abound to your ACCOUNT.” (Philippians 4:15-17)

There is some revelation in here for anyone who is brave enough to receive it.  Paul said that the Philippians were the only ones who communicated or participated with him concerning giving AND receiving. 

I have had many Believers walk up to me and put money into my hand.  Immediately I ask the Lord to return it to them in the form of money or in the form of things that money cannot buy.  More often than not, they will say, “Oh, no!  I would never ask God to give me something in return for obeying Him.”  I then ask the question, “Then how do you expect to stay in operation if you don’t allow the Lord to give you a harvest on the seed you plant?  Soon you’ll run out of seed and you’ll be broke.  What kind of a farmer are you?  His will is prosperity not poverty.” 

Paul made this perfectly clear when he commended the Philippians for participating with him in the matter of “giving AND receiving.”  It is the will of God for us to cooperate with Him in the matter of “giving AND receiving,” not just giving alone.  When we do not allow the Lord to increase us through our giving, we limit what He is able to do through us, we keep the Gospel from being preached on a worldwide level and we cause people to end up in Hell unnecessarily.  Here again, we are dealing with the issue of false humility.  We covered that issue rather well early on in lesson 13 entitled “This Isn’t Just About You, Honey!”  Therefore, we will not go into it again here. 

However, I will say if you are still afraid of prosperity, you will want to go back and re-read that lesson until you become afraid of NOT prospering.  I will go one step further and say that there is a specific curse that comes upon people when they refuse to allow God to bless them with the abundance of all things, for any reason. (Deuteronomy 28:47,48)

Paul commended the Philippians for both their giving and their receiving, because he had the revelation that it was not just about him or them.  Paul commended their generosity but not because he desired a gift, as he said in verse seventeen.  Paul commended them because he desired fruit that would “abound” to their “account.”  

This clearly reveals that each of us has an account in Heaven where exacting records are kept concerning our giving and receiving, or concerning our credits and debits, or concerning our deposits and withdrawals.  It is just time to get a Bible clue on God’s will for you.

It is simply not possible to read the words of Jesus, combined with the words of the Apostle Paul, and not believe that each individual Believer has a supernaturally protected bank account in Heaven.  These are accounts where treasures can indeed be laid up against the difficult times to come here on Earth. 

These accounts can abound and increase through the giving of tithes and offerings (Malachi 3:10-14; Hebrews 7:8), giving to the poor (Proverbs 19:17), making any type of investment into the preaching of the Gospel (Mark 10:29,30) and by giving simply as praise to God.  Sometimes this is to be done publicly, other times it is to be done in secret. (Psalm 118:25-29; Matthew 6:3)  These bank accounts can be drawn upon at will for the work of the Gospel first and the meeting of one’s needs after that.

In our next lesson we will study withdrawing from the Believer’s individual bank account.

Be blessed … John and Barbara Hamel


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