First: A reminder that an RMD is not a special transaction. It is just the amount you must withdraw at some time during the year. If you don't withdraw during the year, you may have to withdraw at the end of December.
Also, your required minimum withdrawal is calculated from all your traditional IRA balances, and can be taken from any account.
For example, suppose you have 3 IRAs at bank 1, bank 2 and bank 3. The combined RMD was $10,000. You withdrew $1000 per month from bank 1 all year for expenses. Since your total withdrawal ($12,000) is more than the required combined minimum, you don't have to withdraw any money from bank 2 or bank 3.
If you indeed failed to withdraw the minimum combined amount before December 31, take the withdrawal as soon as you can. You will report the failed RMD on your tax return and ask for a waiver of the penalty. Waivers are usually granted if you have good-sounding excuse and you withdrew the money as soon as you realized your mistake. Also remember that money withdrawn in 2023 to satisfy the 2022 RMD does not also satisfy the 2023 RMD, which you still need to take at some point.
Someone else will have to provide the technical details of how to get Turbotax to report the penalty and request the waiver.
