Can I access my funds in a fixed account at Kasikornbank before the maturity period for my visa?

Fixed term. The bank lady is correct. You can withdraw before maturity but there is the penalty of not getting the full interest.

You heard wrong!

I do have a Time Savings account (6 month term) at Krungsri bank. The funds are accessible if needed. As mentioned previously taking funds before the end of term will cause you to lose interest and penalty fee applied.

Kbank savings acct.. I only use the card at atm or branch.. even with bank account in the states.. I would keep minimum amount in debit card account. Transfered money just before using atm. Used credit card for everything else. Paid total amount credit card each month from savings.

You can pull your money out of a fixed account at any time, but that's rather missing the point of a fixed account. Fixed. You basically 'loan' the bank the money for a fixed period and they pay you a bit of interest in return. If you pull the money out sometime during that fixed period (like, you don't keep up your end of the agreement) you don't get the interest and you'll probably pay some penalty on top of it to boot. It's all spelled out in the contract.

As far as the 'withdrawn by criminals' via the app; that's some Facebook boogie-man clickbait. Don't fall for it. No criminals are hacking the app. The pro criminals hack *you*, not the app. Social engineering. Don't fall for that either and you'll be fine.

If you're using the B800,000 for your retirement visa . You can access your funds 3 months after you got the extension. It can NOT fall below B400,000 2 to 4 months before the next extension depending on the bank it must be topped up back to B800,000

If you can’t access it on demand you can’t use it for your visa

FFS, don't be so scared of life.