I paid for a medical expense in 2018 and just received a refund in November 2020 from the doctors office. I closed the account that I paid from in 2018. The current HSA bank I have told me I could not deposit the funds from 2018. I instead deposited the check as a regular contribution. I have not met the maximum contribution amount for 2020 for the hsa account. Did I do the right thing and deposit it as a contribution since I can’t deposit it as an overpayment of distribution?