Canadian High Interest Savings Bank Accounts

Just got a notice from CRA that I have to pay penal tax for TFSA over contribution. So I remember it was October 2009 that when I logged in PCF online banking and saw a reminder for me that I could contribute to my TFSA account then. I simply followed that reminder and contributed another 5000 CAD. But actually I already contributed 5000 CAD in January 2009 and should not get such reminder at all. I didn't receive any warning and did not think about it carefully either because I mistakenly trusted their "friendly" reminder.

Wonder if anyone else made the same mistake. And any suggestions for dealing with this? Thanks!

You're right. A good lesson! Since the PCF reminder was in last October, I thought it was for 2010 contribution.