Overfunded HSA

[Kstatus]

Can someone who is smarter than me explain this issue for me?

If I leave the amount over-funded in my 2016 HSA I will only have to pay a 6% tax on that amount over?

Otherwise the company that controls my HSA wants to charge me a $25 fee to cut me a check on the amount that I am over.

What I read is that this year (2017) I should fund it minus how much I went over in 2016?

Maths:

2016 HSA contributions: $3455.82 (Over $105.82)
2017 HSA Contributions: $3294.18 (Under 105.82)

2016 Tax year I will pay $6.35 on the amount over
2017 Tax year I will pay nothing in regards to HSA

Am I correct?  Is this what makes the most sense in my scenario?

Thanks,
Kyle

[Kstatus]

I see someone else asked the question, but I am still unsure of how this works.  If I leave it in and pay the 6% for year 2016 do I still need to compensate for 2017 contributions?  Is the 6% tax a 1 and done thing?  I only be the 6% on the amount over and I am done? Or will that amount over be counted if I max my HSA in 2017 as well?