Once you enter your forms, select ALL RMD taken and you should not have a problem.
I can feel your frustration. You are correct and well researched and things take time and change constantly. You know what is correct and can prove it so you don't need to worry about the tax law part. The IRA RMD can be moved around meaning maybe you have 10 IRA accounts with 10 RMD amounts but you only take one distribution from one account that covers the total RMD of all 10 accounts. The banks don't keep up with that, the owner does.
There is a difference between tax law and tax program. The program asks about RMD each time you enter a form. As long as you have taken all of your required RMD, you just select, all RMD so the program isn't trying to figure out if you owe a penalty from not taking out enough money.
All pension plans and annuities have the RMD built into their disbursement of your funds. The IRA's don't which is why they can be manipulated by you for the distribution.
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