Thank you, I appreciate your help. I'm just learning how all of this works and didn't realize in 2020 that I needed to do a Return of Excess Contribution instead of just transferring the money out of the account. I hadn't claimed it on any tax form so I assumed there wouldn't be any issue.
So if I do a Return of Mistaken Distribution now and return the money to the bank, I'll avoid having to pay any penalty for the distribution which is of course desirable. The only problem is, then my money is in an HSA account for which I'm ineligible. I won't be eligible for an HSA for a few years. I'm wondering what I'd do next in order to get the money back out.
