The bank has been officially delayed by nintendo. http://www.joystiq.com/2013/12/27/rocky-japanese-debut-delays-western-pokemon-bank-release/
Basically there was so much traffic, from the bank and the holiday, that nintendo couldn't manage it and delayed the date. I'm really bummed, I was going to wonder trade sooo much stuff today. Hopefully it gets resolved quickly and we can have it by the end of next week.