Did the IRS actually send the refunds? Were you having the fees deducted from your refund?
Where does Direct Deposit show zero? Does your tax returns show you have a refund on 2018 1040 line 20a and 2017 line 76a? Maybe you put down to apply it to the next year as an estimated payment?
And did the IRS get your returns? When you log into your account you should also see the status and if it was Accepted or Rejected, Started, Printed, Ready to Mail, etc. what does it say? If it says Ready to Mail that means you are suppose to print and mail your return to the IRS.
