For RMDs, you can combine all your traditional IRAs, other than inherited IRAs. You can take the combined RMD from any one or more of the IRAs, in any amounts you choose, as long as you take the total amount. For inherited IRAs and 401(K) accounts, the RMD has to be taken from each account in the amount required for that account. You cannot combine them.
An RMD is not a specific transaction. It is the minimum amount you musts withdraw, sometime during the year, based on your account balances and your age. You can always withdraw more if you like, but you will be penalized if you withdraw less than the minimum amount.
The minimum amount you must withdraw from your IRAs is based on the combined balance of all your IRAs, and you can withdraw that money from any of your IRA accounts in any combination, as long as the total of the withdrawals is equal or more than the minimum you are required to withdraw.
Don't confuse IRAs with other types of retirement plans like 401(k)s. An IRA is not a 401(k) even though they have similar purposes--they are controlled by different sections of tax law. If you have an IRA and a 401(k) (or other workplace plan) those RMDs must be calculated and taken separately.
and each spouse who must take his/her own RMD, must take it from his/her own account, not that of the other spouse.
Please follow these steps in TurboTax Online:
In TurboTax Desktop:
If you have multiple IRAs but took the total RMD only from one IRA then select "An IRA..." on the "Did You Miss a Required Distribution From Any Retirement Accounts?" screen select "An IRA..." and click "Continue". On the "Total RMD for all other IRAs" screen enter the RMD from your other IRAs (where you didn't take a distribution from).
Please see Can an account owner just take a RMD from one account for additional information.
You are not required to file Form 5329 if you met all of your RMD for 2024. TurboTax will enter the information in the "Additional Retirement Account Smart Worksheet" to check that you met the RMD but this will not be sent to the IRS.