USA Timing of RMD withdrawal and Bank's Retirement IRA/CD maturity date

Dec 15, 2017
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United States
TWO QUESTIONS. 1) Your Bank fixed term retirement CD matures, and you also have to withdraw your RMD. What happens if you need to withdraw your RMD from your fixed term retirement CD at the maturity date, but the required RMD is less than the full amount in the CD? Since you still have money left in the CD can you renew the remaining amount of the retirement CD for another term at a new rate and term and maintain that CD's account number?
2) Also, a related question, timing is tricky since you don't want to be caught in a situation where your RMD date occurs, but your CD maturity date hasn't happened yet. By taking out the RMD on time, you incur the bank's penalties for early withdrawal. How to avoid this situation?

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