Yes, we contributed directly.
The steps you gave us to follow, work, however, we were not able to withdraw the full amount of overfunding because the account had $79 LESS in it than what we contributed on form 5498-SA.
This was due to a distribution in January, which was when we caught our error. So, the account is closed, but the forms 5498-SA and 1099-SA from our Bank do NOT reflect this $79 discrepancy.
Do you think it's worth splitting hairs over the $79 if the IRS audits us?
