Delinquent FBAR needs to be filed?

Hello, my wife and I need some advice on how to proceed.

I’m a U.S citizen born and raised in the states, while my wife is a green card holder who grew up her entire life In the U.S.

We just found out about FBAR, and not sure how we should proceed. My wife has 3 foreign bank accounts that were opened for her. One by her parents, another by her aunt, and another by her when she studied abroad there for a year. These are all in the same country, and appears to have a cumulative sum of somewhere between 40-50k.

My wife doesn’t have access to any of these as she’s not a resident there as she’s never actually lived there long term, but the accounts are under her name. We don’t know the exact value of the accounts either, so we’re just doing a guesstimate based on what her parents are telling her.

She’s never filed because we never knew about these laws, and as we just found out about the accounts made by her aunt and parents.

Are we supposed to file a delinquent or a streamlined in this scenario? Do we try to gain access for these accounts first to know the exact amount or how much interest accrued in these accounts, and then try to do file the FBARs late? They’re all apparently checking accounts.

She’s never declared these on tax returns because she didn’t even know about the accounts made by her parents and aunt when she was younger, as they hold the majority of the funds and as the account she opened when she studied abroad there was negligible and only had a few hundred