You could have had a bank account years ago. I think I opened one when I was 8 years old, though I'm sure a parent had to co-sign for me or something. That might still be the case for you, since you're still a minor.
You get Family Allowance? You sure about that? I think what there is, is a Child Tax Benefit, paid to parents. Some parents pass it on to their children. It only gets paid till you're 18.
All the big banks(TDCanadaTrust, Bank of Montreal, Bank of Nova Scotia, Royal Bank and CIBC) operate pretty much the same way. They all have online banking, credit cards, etc etc. None of them is more "honest" or can be trusted more than any of the others. Things that will vary to some extent are account fees and account types, and business hours and days. Otherwise, frankly, there isn't much difference between them. You choose the type of account that you think will work for you according to how you plan to use the account. You can go online to any of the bank websites and check them all out. There are also smaller banks and there are Credit Unions.
I wouldn't worry about dealing with an Account Manager. You won't get a "personal" one of those until your dealings with the bank run into many thousands of dollars. They might call someone an Account Manager, but most people don't get much personal attention from any bank until they default on a loan or credit card payment. You'll be dealing with tellers, and maybe one of the back office people if you apply for a credit card or a loan. As to getting along with them, you could find good ones and bad ones at any branch of any bank. There's no guarantee that you'll like any of them. Or not like any of them.
The only way a debit card is a burden is if you use it more times in a month than your account allows you to use it for free, after which they can charge a dollar each time you use it, or if you get lazy and take money from machines that don't belong to your bank. They charge extra for that, but it's up to you whether you do that or not.
Credit cards are similar. The only way you get a good deal on the interest rates on those is if you have very large accounts with that bank and a good credit rating, or if they're having a temporary special deal when you apply. If you pay attention to the fine print and handle your credit card account properly, it will not be a burden. As a young person who is not yet a "good customer", which is someone who has at least a few of these: a mortgage, a car loan, a line of credit, a credit card, maybe a brokerage account and/or a very large bank balance, you are not going to get a great credit card rate. To a bank, a good customer is one they make money on. That is someone who borrows a lot, or has a large balance that the bank can lend out to make money on.
Keep in mind that all banks work pretty much the same way, and with the exact same purpose, which is to make money for their shareholders. They all have to be competitive with one another, they are all offering about the same products, they are all dealing with similar economic conditions. They can't afford to be charging much more than anyone else, or much less. If they charge too much, they lose customers. If they charge much less, their profits go down and shareholders are unhappy.
Pick a bank that's easy for you to get to in person, even if they have online banking.