Contact your Roth IRA custodian or log in to your account
Choose the withdrawal or distribution option
Select the amount you want to withdraw
Specify whether you are withdrawing contributions, earnings, or both
Confirm that the withdrawal is from contributions if you want tax- and penalty-free access
Submit the distribution request
Wait for the funds to be transferred to your linked bank account or sent by check
Keep records of the amount withdrawn and the original contribution amounts
Report the withdrawal on your tax return only if required by the custodian or if earnings are included
Check your custodian’s rules for processing times and any required forms