TT wants the IRA earnings of $209 recorded as credit for ROTH IRA, yet our AGI exceeds the limit and we can't contribute. I've entered 0 instead, is that correct?

You are only entering Roth IRA contributions in the IRA contribution section if you actually made a contribution for 2020. 

I don't understand your reply.  My question is about why it wants me to apply the earnings as a credit to ROTH IRA Account. I have entered that I want $0 of the earnings on to be applied as credit to the Roth IRA since I am not eligible to contribute due to AGI limits (funny that TT doesn't know that my AGI is too high).