Answer: No, you can use Direct Deposit at any federally insured bank, savings and loan or credit union. If you move your account, call Social Security's toll-free number, 1-800-772-1213 (TTY 1-800-325-0778), and a Social Security representative will change your Direct Deposit information.
A great crystal for spiritual issues is Amethyst. Amethyst carries a high vibration that offers spiritual protection and purification. These two qualities alone would be helpful in the situation you've described. Acting as a barrier against lower vibrational frequencies, Amethyst is known to clear one's environment of all types of negative energies, and is a great aid for all those on a spiritual journey.
Using a crystal that brings your angel's favorite light to them can only make it easier to communicate. A Guardian Angel crystal helps form and strengthen the bond between you and your angel. Guardian Angel crystals are not special crystals. Rather they are crystals of the color that is best liked by your angel.