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.
According to the laws of crystal healing, every stone that you like better than the others is the stone that you need most at that particular moment of your life. Some of the therapies becoming more popular are Spiritual Healing, Crystal Healing, Reiki, Aromatherapy and Hypnotherapy, just to name a few.