…yes, this would be the years with 3 extra checks that I mentioned.

2 checks x 12 months = 24 checks.

But you actually get paid every 2 weeks, so that’s 52 weeks per year / 2 weeks per check = 26 checks.

26 checks received - 24 checks budgeted = 2 extra.

For bonus points, there are occasionally years with 3 extra checks because 52 weeks x 7 = 364 days, not 365.

Contactless and contact methods have different processing flows.

https://www.uspaymentsforum.org/wp-content/uploads/2016/09/Optimizing-Txn-Speed-WP-FINALV3-October-2017.pdf

See Page 9 for Contact and Page 21 for Contactless. You don't need to know the exact specifications, but look at the pink box between the card/device and the reader. For Contact, observe there are 3 round trip communications; for Contactless, there are 2.

Married without checking the “spouse works” box.

2 jobs without doing the same.

Claiming “1” on the new form would do about $2,000 of underwithholding. It wasn’t right on the old form either, but a lot of folks had it drilled into their heads to put either “0” or “1”.

It’s highly unlikely you “never filled it out before.” You probably did it at onboarding, incorrectly, and haven’t updated it since.

Sometimes banking systems are slow. I see all the time my current balance change late at night without a transaction officially being "posted." Usually it's a pending transaction that's going final.

I would wait 24 hours first. If it's still not posted by then, maybe call your bank.

Recharacterizing is definitely the way to go, but in fairness you would have received some tax benefit, just not as much as recharacterizing to Roth would give you. (If you aren't interested in the details, no need to read below).

A nondeductible Traditional IRA still grows tax-free while inside the IRA. This is not true for taxable accounts. In other words, every single time you sell inside a taxable account, you'll have to pay some tax on the gains--you don't have to do that for any kind of IRA, even if the contribution was nondeductible.

Second, the nondeductible contribution is still only taxed once. When you start withdrawing from a Traditional IRA and you have nondeductible contributions, those nondeductible contributions come back out tax free. For example, suppose you had $1,000 of nondeductible contributions and a total account balance of $100,000. This means that 1% of your account balance was nondeductible and had already been taxed. Therefore, for every $100 you withdraw from the account, only $99 is taxable. 1% of your withdrawal--equivalent to the 1% of the account that was nondeductible in the first place--is not taxed when withdrawing later.

Do not submit the return of excess form for this. Directly on the form it states:

>Do not use this form to recharacterize contributions between a Traditional IRA and a Roth IRA. The Fidelity IRA Request for Recharacterization Form should be used.

https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/IRA-return-excess-contribution-request.pdf

If this is a 2022 contribution, then you should be able to contact your IRA provider to perform a recharacterization of your contribution. This is an important word that you need to use to let them know what you are trying to do. A recharacterization changes your contribution "as if" it had always been made to the Roth IRA.

You should have still gotten a Truth-in-Lending Act disclosure, which would have provided you with information about things like your cost of credit.