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.
Numerous myths and legends are associated with the idea of protection with crystals; you may have heard of how talismans and amulets were used for protection in the days of yore. Crystals like quartz, jade, chrysolite, etc., were believed to have healing powers to protect the wearer from physical and mental harm.