I have a $ 50 dollar amount taken out of my pensi...

I have a $ 50 dollar amount taken out of my pension every 2 weeks sometimes it puts me in credit.
My last bill was $116 dollars send to me on the 5th dec and 50 dollars taken out on the 6th dec.
But on that it stated 0.65 cents in arrears for that on my account the charge was $5.00.
Unbelievable do i get credit for the times being in front?
Charging 5 dollars for 65 cents overdue .
Come on synergy
Johanna Oppelaar Gosnells