No, you don't have to file 1099 if you have an investment account in most cases. You need to file Form 1099 if you paid someone more than $600. You will receive Form 1099 from your financial institution if you have gains on investments more than $10 in the tax year.
IF you have a personal investment account, and the Financial institution/brokerage is sending a consolidated 1099-B "to" you......usually as a tax reporting form containing any, or all of, forms 8949, a 1099-INT, a 1099-DIV, or a 1099-OID. True, they are only required to send that out if it reports more than $10.....so it's common that simple bank savings/checking accounts don't send out that form since their interest rates are so pitifully low......but if you hold any mutual funds, or held stocks and bonds that issue dividends or interest during the year, you will likely get one or all of those forms sent to you (or posted in your account for download)
Then YES...you must wait for those , and you MUST include them in your tax return filing. DO Not file until you have them and you have entered their data.
My brokerage has indicated to me that my forms will not be ready for me until 13 February, and if you hold any REITs in your account, it could be March before the proper tax forms have been sent to you...