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.
It isn't easy to keep up with the changes! Crystals are particularly good at helping us adapt to changes in energy frequencies created through stressful situations. There seems to be a crystal for every form of stress including financial (Citrine), relationships (Rose Quartz) and burnout (Smokey Quartz). Having a large crystal in a room can also help reduce stress, by reducing negative energies and harmonizing imbalanced energy patterns.