jkm91
Returning Member

Excess Contribution to Roth IRA, but Didnt Use the Financial Institutions Excess Withdrawal Form

I made excess contributions to my IRA for 2024 and 2025 and after realizing it, I withdrew the money + gains using the irs formula. My problem is that I withdrew the money without using the financial institutions excess contribution withdrawal form and just did an early distribution withdrawal through the online banking system. Is this a problem? My financial institution already told me they can not recode the withdrawal as an excess contribution withdrawal. What should I do?