I use Schwab for my RothIRA. They would not allow me to re-characterize my 2018 contribution to a following year. I was able to contribute in 2019,2020, and 2021. I did not make the max contribution in 2019 or 2020 but did make the max contribution for 2021. I did not report the access contribution to my 2018 tax return. I have not cashed the check for the $395, should I cancel this and ask for the full $500 from 2018?
