You have two questions.
If you are going by the calculated amount (true minimum) that the custodian(s) calculate for you,
then yes you have to take the specified amounts from all those accounts OR from one or more accounts so it adds up to the total of RMDs calculated.
If you have a shortfall in withdrawal,
you have to file 2021 Form 5329 and request a waiver of penalty.
You can do that with TurboTax because you have a 1099-R and can follow up in the interview about the shortfall.
The actual distribution would be taken now and reported on 2022 tax return.
