You should file a return now. TurboTax will walk you through the stimulus payments that are intended to be reconciled on the 2020 tax return. They used 2019 to determine the payments to send, with the intention of reconciliation on the 2020 return.
Yes, you can proceed by putting $1 of interest income. It's not a problem because this would not require you to file and would not produce any kind of tax liability or change your tax return results in any way.
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