If the contribution is nondeductible because you or your spouse was also covered by a workplace retirement plan, you can either leave it in and file Form 8606 to report the nondeductible contribution or you can obtain a return of contribution from the traditional IRA. The deadline for obtaining the return of contribution is July 15, 2020 unless you request a filing extension or file your tax return by the July 15 regular filing deadline, in which case the deadline for obtaining a return of contribution becomes October 15, 2020.
Since this is not an excess contribution, there is no 6% excess-contribution penalty.
