thanks but not free and does not offer services in my zipcode ( baltimore area).
You can get Chase for free by having $500/month in direct deposit.
IINM that can be done from PayPal account. Not sure if Zelle payments would qualify. Another option (if you qualify, or get someone to qualify you) is USAA, and you can make direct deposits from there to Chase. Lastly, you can use CashApp for direct deposits (I have a rather dormant BOA business account that is free if $250 is charged on the debit card each month - Cash App is useful for that).
Another excellent option for free account is Schwab.com (no ATM fees, and fee refunds worldwide). Not sure about Zelle.
If you want to go the Credit Union route, there might be quite a few good ones out there. I find Elements Financial (previously ELFCU) to be quite decent.
Citi has (or at least had) an account that was free if you had at least $1 in direct deposit and $1 in online bill pay every month. And IINM they participate with Zelle.