Ok, I fixed it by doing a factory reset. Not only did I have this sd card notification issue, but I could not get the fingerprint to read my 3rd or 4th fingerprints. I deleted them all, and # 1 and 2 will always work. But 3 and 4 saved, but did not work when trying to unlock phone. Tried it with multiple fingers, so it seems like a software bug.
Factory reset last night, and all fingerprints working now from #1 - #4, and no more sd card notification.
I also think it's because I used Samsung switch to restore my phone. I always do fresh installs, but wanted to try it out since I just returned my JOD phone and was a good use case.
For those that have this sd card notification issue, did you restore from backup/samsung switch, or did you start from scratch?