@jerbone
This has to be corrected on your Form 5498 that you will get in May.
It is the bank that has to update its records to allow a 2021 contribution by tomorrow.
OR
open another IRA account somewhere else and deposit $7,000 tomorrow for 2021.
Hint: TD Ameritrade will take your contribution for 2021 tomorrow.
you can consolidate the accounts later if you want to.
(you're better off with TD Ameritrade than with a bank).
