What Is Bank of Universe Cheque and Why Are People Using It? – the Reality Behind It

In recent months, searches for terms like “Universe Cheque”, “Bank of the Universe” have surged across Google Trends and social media.

At first, it may feel like you a financial terms or any Bank product. But the Universe Cheque has nothing to do with banking, RBI, or real cheques. It is not any type of different cheque that works at any bank or something. It is not a financial product in india, the USA, or any other country.

In a real sense, it is a visualisation-based concept linked to the Law of Attraction and popular self-help philosophies. At easemoney, we do not do any philosophies, but it is a mix with finance, so why not? We clarify for you in simple terms.

What Is a Universe Cheque?

A Universe Cheque (also popularly known as a Bank of the Universe Check) is a symbolic and fictional cheque used in manifestation practices, mostly in the Law of attraction. It is not recognised by any financial institution and has no legal or monetary value.

The concept became widely known after the release of The Secret in 2006, which popularised the Law of Attraction globally. It is a book and a movie. It was created by Australian television producer Rhonda Byrne. As explained in self-help literature, the idea is that focused thoughts, emotions, and beliefs influence outcomes in life.

In this practice, a person writes a cheque to themselves from the “Bank of the Universe” for a desired amount, treating it as a mental and emotional exercise, not a real transaction. The cheque format itself is a modern adaptation designed to make visualisation feel more tangible.

As per Wikipedia, the Law of Attraction is classified as a belief-based philosophy, not a scientific or economic theory.

How did it go Viral?

Many people also associate the idea with motivational stories from celebrities, such as actors who spoke about visualising success early in their careers, just by doing manifesting. It sounds cool, but in real efforts, nobody really talks. The patience and consistency feel boring to people. However, the Universe Cheque format itself was popularised by self-help communities, blogs, short videos, reels, and social media such as Facebook, Instagram, X after The Secret went viral.

Jim Carrey’s Role in the Craze

Hollywood actor Jim Carrey often talks in discussions about his own Cheques magic, though he did not invent the concept.

In multiple interviews and podcasts, Carrey has shared that in the early 1990s, before achieving success, he wrote himself a cheque for $10 million, dated it for the future, and added the note “for acting services rendered”. He carried it as a motivational reminder.

In 1994, he reportedly earned close to that amount for the film Dumb and Dumber.
This story is frequently referenced in Law of Attraction discussions and helped fuel interest in visualisation-based goal setting, especially after The Secret became popular.

Importantly, Carrey himself has described this as motivation combined with real-life consistent effort, not magic.

How People Usually Fill a Universe Cheque

People who follow this concept typically use downloadable or printable templates available online. You can check social media or search engines for that. These templates are for symbolic use only. It is available in multiple languages and countries.

The filling process is simple and almost the same as normal cheques we do, but here people write their own name or put just “self” in the payee.

The commonly described process includes:

1. Downloading a “Bank of the Universe” cheque template
2. Opening it in a PDF fillable app such as Sejda PDF Editor
3. Writing their name as the payee
4. Entering a desired amount
5. Adding a date (some write a future date, others write “Now”)
6. Saving the file or printing it

Most importantly, you don’t need to pay anything for that. If someone asks for money from you, deny it completely.

The cheque is usually placed somewhere visible, such as a desk, wallet, or phone background, to serve as a daily visual reminder. this is best to put it on your working desk, when you do daily work to achieve your goal, this is a good way to manifest it.

Why People Believe This Practice Works

Supporters mostly says that the Universe Cheque works by influencing mindset and behaviour, not by delivering money directly.

According to behavioural psychology for financial goals:

• Clear goals improve focus
• Visual reminders reinforce motivation
• Gratitude can reduce anxiety and indecision

As per explanations commonly found on Investopedia, goal visualisation can influence decision-making by keeping objectives mentally accessible, though it does not replace real financial action.

This is why many people report outcomes like:

• Increased confidence
• Better career decisions
• Noticing opportunities they previously ignored

These effects are indirect and psychological, not financial transactions.

Does the Universe Cheque Actually Bring Money?

In real world, there is no scientific, financial, or legal evidence that a Universe Cheque directly results in receiving money.

Stories shared online OR on Social media, such as unexpected income or opportunities, are personal experiences and anecdotal accounts. These outcomes are more realistically explained by changes in mindset, confidence, and behaviour rather than any external force depositing money. The real way to make money is first to manifest it, take actions according to your goal, but it must be real-life based, focus must be on the service or product, and the outcome will be more possible than ever. However, I am not a financial professional, but this is a basic financial formula.

Universe Cheque vs Real Bank Cheque

Disclaimer

The Universe Cheque is a belief-based concept and should not be confused with real banking instruments, financial planning, or income generation methods.