10% is the default withholding for a distribution from a traditional IRA whether or not the distribution is an RMD (and, because of aggregation, the IRA custodian has no way to know if any particular distribution is truly an RMD), so as Mike9241, be sure to specify no tax withholding on the first distribution if that's what you want. I've encountered bank reps that don't bother to ask and have ended up with unintended default 10% withholding.
