Custodian guides
Per-custodian excess-removal process notes
Each guide covers the form, the auto-NIA flag, known quirks, and a link to the custodian's official excess-removal page. Last-verified date pinned monthly. Where research could not verify a procedure from the custodian's public source, the page surfaces that explicitly rather than guessing.
Fidelity Investments
IRA custodian
Form
Return of Excess Contribution (online flow)Last verified 2026-05-04Guide
The Vanguard Group
IRA custodian
Form
Excess Contribution Removal Process (electronic, in-portal)Last verified 2026-05-04Guide
Charles Schwab
IRA custodian
Form
Request a Recharacterization or Remove an Excess IRA ContributionLast verified 2026-05-04Guide
M1 Finance
IRA custodian
Form
Excess Contribution Removal (in-app, Before vs After Tax Filing Deadline)Last verified 2026-05-04Guide
Robinhood
IRA custodian
Form
Return of Excess (DocuSign)Last verified 2026-05-04Guide
Alto IRA
IRA custodian
Form
Not publicly documentedLast verified 2026-05-04Guide
Rocket Dollar
IRA custodian
Form
Not publicly documentedLast verified 2026-05-04Guide
HSA Bank
HSA custodian
Form
Health Savings Account Excess Contribution Removal Form (PDF)Last verified 2026-05-04Guide
Optum Bank
HSA custodian
Form
Health Savings Account (HSA) Excess Contribution Removal FormLast verified 2026-05-04Guide
Lively
HSA custodian
Form
Not publicly documentedLast verified 2026-05-04Guide
Also relevant
- Run the NIA calculator — bring the result to whichever custodian's form below.
- What counts as an excess contribution — confirm the trigger before initiating a removal.
- When to file the corrective return — the Apr 15 / Oct 15 windows that gate timely vs. excise.
- Sources — every cited custodian page is also listed in the citation manifest.