Retirement tax questions

Neither one should change the tax owed at all.  Which one changes it?
Box 2b "taxable amount not determined" isn't checked is it?

You are not looking at the summary screen are you?  That will show the total *gross* amount of the box 1 amounts, not the taxable amount.   You must look at the 1040 form itself. line 16a for the gross amount and 16b for the taxable amount which should be zero (line 12a/b on a 1040A).
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**