@tealover753
Let's clarify that your husband can't take an RMD, nor can the bank pay an RMD in your husband's name.
What happens is that you withdraw money in your name, and you get the 1099-R and you report the income on your tax return. The difference is that for 2023, the minimum amount you must withdraw is the amount your husband would have been required to withdraw as his RMD. Calculated using his age, life expectancy, account balance and so on. (You can always withdraw more, of course, if you want to spend it, give it away, or invest it some place else.)
Then starting in 2024, your need to withdraw an RMD (or not) will depend on your age, life expectancy, and other rules that apply to you.
To try and simplify even further, for 2023, you withdraw in your name, but the amount is calculated based on what your husband's RMD would have been. For 2024 and the future, you withdraw amounts based on your own RMD calculations.
Also, to remind you if things got confusing, an RMD is the required minimum amount you must withdraw, because you can't leave retirement funds untouched forever. You can always withdraw more if you want. The RMD is an amount, not a specific transaction. Suppose the RMD is $5000. That can be satisfied by a single withdrawal of $5000 on December 29, but it would also be satisfied if you withdrew $500 per month over the whole year for living expenses (because $500 x 12 is more than the $5000 minimum amount).
So for 2023, you need to withdraw an amount equal or more than your husband's RMD would have been. The withdrawal is in your name and goes on your taxes. The bank doesn't need to know that this is an RMD, they don't care or need to know why you are withdrawing money. A better bank or broker will help you calculate the RMD, but if you can calculate it on your own, all you need to do is withdraw that amount (or more).
