ChatGPT says Zoom doesn't offer AI summaries with the free version of Zoom.

Zoom's free Basic plan does include access to AI meeting summaries. In fact, basic/free users got an update that let them view summaries shared with them starting in June, and more broadly, paid Zoom Workplace plans include built-in AI features like meeting summaries at no additional charge beyond the subscription. The free plan does come with a 3-hosted-meetings-per-month limit, and availability can also depend on whether the host has the feature enabled, along with account, region, or organization-level settings.