Tp and now sp, both over 55. Sp funded $1,000 catch-up in separate HSA account. TP also funded over 55 catch-up in the "primary" HSA account (code w on W2). 2019 total allowed funding for MFJ famly coverage, both 55 is now $9,000 ($7000 normal for family, $1000 catch up for TP, $1000 catch-up for SP)

Software calculates $60 overfunding penalty with 2nd catch-up contribution.

What am I doing wrong?