If you don't have a Health Savings Account with funds deposited and she is not covered by a HDHP, then you will need to withdraw those funds prior to the due date of the 2020 tax return to avoid a 6% over-contribution penalty.
As you go through the HSA section of your return, you will indicate that you was not covered by a HDHP during the year. This will generate messages telling you that the contribution to the HSA will need to be withdrawn. You can indicate that it will be done by the due date of the tax return and an additional penalty will not be assessed on the return.