Yes, you need Pokémon Bank. When the homebrew loader asks you to select a target title, select bank. You will then be able to use the CIA menu for Pokémon X, Y, AS, and OR.
Maybe someone can confirm, but I don't think you need to pay to just download bank. So, I think everyone who needs it should be able to get it without paying, but I could be wrong.
You don't need to pay to download it (: Just to use the service you'll have to.