Not at all! You can link another bank account to your Neo account or use a Neo Money account (the only difference is with Neo you gain 2.25% on your deposits made to your Neo Money account!)
To quickly deposit security funds into your Secured Card, you can request e-Transfers from your Neo Money account. You can skip the wait time and receive your funds within 30 minutes with this method!
If you have not already applied for a Neo Money account, you can do so through the Neo app or website.
Keep in mind that electronic funds transfers through linked accounts can take up to 5 business days and transfers from your Neo Money Account are relatively instant!