Oh, I overlooked who you stated this: "from 3rd provider, which shouldn't have been an IRA."

Shouldn't Have Been, has nothing to do with Reality. What type of account was this, when it got created?

And it would really help if you stated not just IRA, but Traditional or Roth.

Make sure to read the cares act for RMD and distribution rollover rules that are specific to 2020. You might be understanding the step-by-step incorrectly for the tax year provisions.