Help! Just learned about FBAR reqs First time 1040 filer for 2018 tax year (moved to US 2018 for work) but my CPA did not file FBAR. Just learning about it now and we are past the Oct deadline. In Dec. 2018, have about 20k foreign accts (max value in 2018 was &lt;30k). The accounts did not have income. Did not file 8938 since value of accts were &lt;50k. Did not even know about Schedule B Part 3 (it was not filed by CPA).  

Am I screwed? Should I file now according to IRS Delinquent FBAR Submission? Based on what I read I think I can, but worried about possible penalties since it is late.