Child tax credit and stimulus question

I have filed 2020 taxes and both state and federal were accepted 4/15/21.I opted for turbo tax fee to come from my refund but I have yet to get my refund and despite having 2 dependents under 18 (whom I claimed) and I never received my child tax payment for July. Also turbo tax is trying to charge my checking account to get the $150 I apparently still owe in fees for using turbo tax to file, BUT its SUPPOSED to have came out of my refund payment. What am I missing or what have I done wrong? I'm so lost and confused and need this money everyone around me is receiving!! please help!