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Did you actually get cash from the HSA?

 

It sounds like the HSA did take the excess contribution out as a "return of excess contribution."  If they applied it as a contribution to 2025 instead of sending you as a check, that is a new twist to me.  But it is fundamentally different operation than leaving the money in the account to carry over to the next year.

If you left the money in the account to carry forward and apply to the next year, you would tell the HSA bank nothing.  The carry-forward is managed on form 8889 and 5329 and is between you and the IRS only.  The HSA bank doesn't need to know or care.  

 

You also seem to have filed correctly, but possibly by accident.  If you told Turbotax to leave the excess in the account for 2024, your 2024 return would have the $328 excess contribution on form 5329 and a 6% penalty of $19.68.  Since you have no form 5329, then you must have told Turbotax you would remove the excess contribution, even if that's not what you intended to do.  The last thing to check is that the removed excess of $328 should have been reported on schedule 1, line 8f.  (I will guess it is there, because you must either have a penalty on form 5329 or an amount on line 8f, one or the other.  It can't be neither.)

 

If you don't have an amount on line 8f, then you probably need your return analyzed by someone in person.

 

Assuming the excess is reported as income on line 8f, then no changes are needed to your 2024 tax return.  You removed the excess contribution before the extended deadline of October 15.  You are supposed to report the attributed interest as taxable income on your 2024 return, but since it was only 9 cents, you don't need to amend your 2024 return to include this income.

 

For 2025, if the bank never sent you a check for the $328, then they deposited it back into the account as a contribution. (You may want to check your statements to make sure.)  So you would report this as an extra contribution (not from a W-2) in that amount, and it would be tax deductible.