@DoninGA I believe the correct answer to "will I get my stimulus by direct deposit if I had fees deducted" is "unknown at this time", unless Intuit has received other information from SBTPG.
This year's stimulus checks are being modeled on the 2008 checks. In 2008, the IRS issued paper stimulus checks for ALL returns that showed a third-party bank, such as Santa Barbara Bank & Trust (from which SBTPG was spun off in 2010), for direct deposit; that included TurboTax's "pay with refund" service. That was because most third-party direct deposits back then were for old-school RALs; the IRS said most of the accounts were closed after the RALs were paid off. RT products (still commonly known as "refund anticipation checks" back then) were a small part of the bank product business in 2008.
What has changed since 2008? Old-school RALs, for 100% of the refund less fees, are gone; today's "refund advances" are usually for LESS than the actual refund. RT is now at the heart of the bank product business, so IRS can rely more on SBTPG and other RT providers to forward stimulus payments using their own methods, such as direct deposit to bank accounts or prepaid cards (as SBTPG does with TurboTax), or with other RT providers checks printed at EROs or by the provider, direct cash pickup (generally at Walmart), or at one RT provider this year even cryptocurrency. As far as the IRS is concerned, all of these are "direct deposits" that can be issued far more quickly than paper Treasury checks. In addition, these checks are being issued during an extended tax season; the 2008 checks weren't issued till tax season was over.
Finally, the bill that passed the Senate gives the IRS more leeway in finding correct direct deposit info; it allows the IRS to send the money to ANY account the taxpayer authorized after 1/1/2018 to receive a tax refund (i.e., 2017 as well as 2018 or 2019 returns) or a "Federal payment" subject to mandatory direct deposit (benefit payments such as SS/SSI/RRB/VA, Federal paychecks & retirement checks, and certain vendor payments). It also has a special provision allowing Federal disbursing officers (the folks who actually issue checks or direct deposits) to "modify payment information" for stimulus checks to "facilitat(e) the accurate and efficient delivery of such payment"; that could be used to add accounts used for direct debit, correct changed bank info, remove closed accounts (detected by "prenote" messages thru the ACH network), etc.
Still, until the IRS has something on its website other than "Stimulus payment checks: No information available yet, No sign-up needed", we won't know for certain what will happen. Secretary Mnuchin clearly wants to make as many of these payments by direct deposit ASAP, especially since the Feds likely have even less check-printing capabilities than in 2008; but the experience of 2008 suggests this may be harder than he thinks, especially for refunds routed thru SBTPG or other third parties.
