<prompt> Human: Ive got a ROTH with, choose your brokerage, and you make contributions for 2017 a penny over. Does the penny bounce? You pay a fee? Do you reach the 5,500 and it shuts off for the rest of the year? If I make a 5,500 deposit on January 1st? Im cutoff in that account for the next 364 days?  <response>: 6 penalty per year until you remove it. Most investment companies will cut you off from over contributing over 5500 in that one account, but they dont know how much you have contributed in other accounts. 