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.
A watch crystal is a transparent cover that protects the watch face. Note that, coincidently, the word crystal is also used to denote the tiny piece of quartz that serves as an oscillator in a quartz watch. These two types of crystals have nothing to do with each other. The latter is usually called a quartz crystal to prevent confusion.