I think it is safe to say tomorrow is when we will get Pokemon Bank. It was originally going to release 2 days after the Japanese release and it is the typical day for Nintendo to add new stuff to the eShop.
You just need more than one Pokemon and then you will be able to trade using any method of trading. Should be noted that Pokemon that you gotten through trades won't obey you properly if the level is too high and you don't have enough gym badges.
Also, sorry to hear you lost your copy of Y, but welcome to the superior Team X.