Question on HSA Overfunding

Hi all, doing taxes for my daughter (M) & son-in-law (J)

- M had a high-deductible self-only health plan for all of 2022. Ms employer contributed $3650 to HSA.   

- J had a high-deductible self-only plan for January & February and then converted to family in March when their son was born.  Js employer contributed $7200 to HSA.   M was not added to Js health plan.

- Turbo Tax is telling me that the max is $7300 and that they've overfunded by $3550.  I assume that this is correct right, even though they had separate plans?  

- Also, TT says to avoid the 6% penalty, the $3550 should be withdrawn by April 18.  How do you do that?  Does a regular claim for a medical expense count, or do you somehow need to contact the bank and request money?

Thanks.