" beneficiary RMD for both my Inherited TRA&Roth"
You don't have to take any RMDs from a Roth IRA.
"regular bank insisted my husband's RMD is "suspended" "
You can satisfy that 2023 RMD by taking from the Inherited IRA.
your first RMD ia in 2024.
who is the beneficiary on the bank IRA account? If it is you, you will have the same decision for treatment
I'll let @dmertz confrm whether you can switch to "treat as your own" at any time in the 10-year period
@tealover753
