Why do i have a $20.00 early withdrawal penalty when i didn't withdraw anything?

[VolvoGirl]

Why did you get a 1099R?  What code is in box 7?  Did you roll it over to another account or convert it to a ROTH?  If you didn't move the whole amount including the withholding then the withholding became a distribution with the 10% Early Withdrawal Penalty.  

[ynppm]

I don't have a Roth. My husband has a federal pension. Don't understand the early withdrawal penalty.

[VolvoGirl]

Is it actually the 10% Early Withdrawal Penalty or an underpayment penalty?  Sorry I don't know.  @dmertz 

[dmertz]

Or is it an early-withdrawal penalty reported on a Form 1099-INT?

On what line of what form are you seeing an early-withdrawal penalty?