For closure, the RMD check finally arrived via mail (after I asked them to deposit directly into my bank). NO state or fed taxes were withheld. When I called to ask why the default amount of 10% that they told me about was NOT withheld, they replied that it was my failure to write in an "additional amount of taxes to be withheld" on the W-4P form. I guess their definition of additional differs from mine. I am now making estimated tax payments to both fed and state. And last week I successfully moved my 401K funds OUT OF FIDELITY. Never have to deal with them again (of course unless the 1099-R arrives, and it is incorrect.)
