@nospam Hey, were you able to figure out what to do? I'm in the same situation with contributing an excess of $275 and have no idea how to compute earnings on excess since HSA Bank "cannot help." My EOY savings/investment balance was negative to what I put into the account so I wasn't sure if I should put 0 there. I'd like to avoid paying the 6%, but would save money by just paying that then going to a tax advisor.
