SITTING US PRESIDENTS CANNOT BE INDICTED.
The indictment or criminal prosecution of a sitting President would unconstitutionally undermine the capacity of the executive branch to perform its constitutionally assigned functions.
https://www.justice.gov/olc/opinion/sitting-president%E2%80%99s-amenability-indictment-and-criminal-prosecution
https://www.justice.gov/sites/default/files/olc/opinions/2000/10/31/op-olc-v024-p0222_0.pdf
So that means:
A. Joe Biden will have to be impeached and removed, which we all know requires 2/3 senate vote (unlikely), or…
B. Joe Biden will have to resign (most likely).