Hacking me
I think my phone has been hacked
when I try to download something for free
I keep getting a pop up for me to add new banking information
iPhone 8 Plus, iOS 12
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Fortunately for you, there is no known method to remotely hack an iPhone, so its not at all likely to be that.
The request for payment method from the iTunes store is perfectly normal, even for free items, if your payment method stopped being verified, or you created a new Apple ID without a payment method it may ask for verification or addition of one.
See here to verify your current payment method or add a new one: Change, add, or remove Apple ID payment methods - Apple Support