I don't mind paying for Pokébank, a service is a service, but I think the method of payment and needing wifi to transfer is stupid. I defended it when it came out because the idea was that (in theory) mons should go through their servers to weed out cheats (I don't care about people cheating just saying I understand the logic).
But it turns out bank doesn't filter shit. So servers are completely unnecessary, which means an anual fee also is. It should be like buying the cable link, just a one time payment. Put $10 or something on the app, and store the Pokémon in the console. That way I don't need an internet connection either. And if you ask "that's nice for gens 6+7 because they're in the same console, but about the Switch?". Easy, you use infrared and/or wireless to cut/paste from the 3DS to the Switch.