I don't understand why the bank referred to 4/1/2021. You had to take your first RMD for 2021, and you had to take your 2021 RMD by 4/1/2022. If the total amount that you withdrew in 2021 was at least equal to your 2021 RMD amount, then you met that requirement. For all subsequent years, beginning with 2022, you must withdraw each year's RMD during the year that it's for. The extension to 4/1 of the following year is only for the first RMD. At the beginning of each year the bank should tell you how much your RMD is for that year.
