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To clarify things, the check I was referring to came from my former employer for the total amount in my 401k plan. It was a direct rollover to my bank which offers no fee Ira's. But the check didn't get to the bank until after the Jan. 1 2001. Ihe money is in a traditional IRA at the bank right now and I want to convert that to a Roth. I want to pay the taxes on the conversion on my 2000 income taxes, but the bank said I would have to wait until next year because they didn't recieve the money until after Jan. 1, 2001. I think they are wrong. I hope this clarify's things.
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