dmertz
Level 15

Retirement tax questions

Don't trust bank employees to know IRA regulations.  The ordering rules for withdrawals from a Roth IRA are correctly stated in the answer above (although to clarify,  when referring to "rollover contributions," the answer is referring rollovers other than the rollover of a distribution from a Roth IRA).  See the following from IRS Pub 590-B for confirmation:

<a rel="nofollow" target="_blank" href="https://www.irs.gov/publications/p590b/ch02.html#en_US_2015_publink1000231071">https://www.irs.gov/p...>