Direct deposit limit

we did joint filing for yr 2019 and 2018 and requested all to be direct deposited.  We only recieved 2019 yr direct deposited but 2018 yr was a paper check.  Why is this?  now the problem is  we tried depositing into my bank account and was rejected because my bank account only have my name on it.  Now I'm screwed.  spouse doesn't have checking.  will this happen with our federal 2019 and 2018 too?  thanks