Never make contributions close to the due date. *Most* financial institutions have conditions spelled out in the account agreement you signed that say that new deposits will take 3-5 business days to post and the posting date is the year of the contribution (weekends and holidays do not count in the 3-5 days).
(The IRA custodian is the finaniclal institution that holds the IRA - you are the account owner, not the custodian).
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
