If you can't rotate the bearings by hand, they're shot (imo). There's a whole lot more force applied with the wheel than with your finger! Still, if your finger won't do the trick, they're too stuck.
You might try cleaning and repacking them. The seal can be snicked out using a mechanic's scribe on the inside diameter of the seal. Take out the snap ring (on the snap ring side) to get to that bearing.
Clean 'em with a decent solvent (crc brakcleen works great). Repack by hand. A syringe from your local grange/feed store helps. You will likely still feel a 'tick' when you're done..and that's not a good thing, but it's better than not turning at all!
At something like $5 ea, just replace 'em! If you go to the trouble of taking the old ones out to service them, just put in new ones!
Or..you can get a 'lifetime guaranteed' bearing set with seals from CBR. More $$, better bearings.
Zerks won't do any good with a double sealed bearing. The oem bearings have the inner seal off. There's some debate on the idea of whether that's a good idea or not.
More folk on the side of 'use both-sides-sealed' than not.
With the inner seal out, and the zerk applying grease from the inside, you need to push all the junk out before you're accomplishing much good. That will compromise the bearing seal..but if keep on top of it, that won't matter a whole lot I'd guess.