Use P2P exchange but your chance to have a very appetizing rate is through the use of centralized exchange. Some exchange like Binance and Bybit sometimes launch a promotion with zero fee for all P2P transaction.

I’m not using anymore these centralized P2P exchange but that’s the service you are looking for if you want to transact directly with user that can pay you through bank. You can use the forum marketplace to find buyer of your Bitcoin using the bank you preferred.