Thank you for getting back to me! This is SOOOO helpful.
I do not have a 1099 from HSA Bank because I haven't made any withdrawals from the account (no medical payments and I haven't made the withdrawal of excess funds yet). HSA Bank's form for Excess Contribution Removal asks the account holder to list the excess contribution *and* the earnings on that excess contribution--thus the *account holder* needs to do that calculation. HSA Bank is the most lazy and incompetent custodian ever.
I followed your tips by pretending I had a 1099-SA with the excess contribution + earnings that I calculated, and then the 8889 form looks great. I will contact HSA Bank, get them to withdraw the funds, get a 1099-SA, and then finish my taxes with that 1099-SA rather than my guess of what it will say.
