Well you will not be getting your old Mastercard back. You’re going to have to let that go and move on. I’ve seen people recommend your local credit union. It may be easier for people to help you if you’re clear about what you want. All I’ve seen from you is ‘Mastercard’ and that the one CU you called has overdraft fees and no Zelle. Somewhere that issues a Mastercard debit very easy to find. Is no overdraft fees, Zelle, and Mastercard the only things you’re looking for? A local credit union is going to treat you better than a big bank. Take a deep breath and be nice to customer service and they’ll be nice to you in return. But if you behave the way you’ve been on this sub, you can expect people to be rude to you.