Can I open a bank account in Thailand with a 90-day visa while planning to apply for a retirement visa?

Most banks ( I use Krungsri) will open an account with:

Longterm rental contract with landlord details or residency certificate

Local thai phone number

Passport

Pretty straight forward

We use the Krungsri at Central Festival

Yes open a bank account put in 0 baht and apply for non O retirement visa.

Biggest problem is finding a bank that will open account for you , but just keep trying and you will succeed .

Credit cards/apple pay/Google pay can be used in most major shops, full service restaurants, family mart/7-11 and Lotus's. It's the smaller places and street stalls and independent places you'll want Prompt Pay and Union Pay for (plus Makro and Supercheap)

What 90 day visa? Some visas are easier than others to open a bank account with.

But there's no law that states you must have a certain type of visa to be able to open a bank account. You can open a bank account on a tourist visa or even visa exempt with no visa at all.

It may prove difficult and you may need to try multiple bank branches as the tellers would rather say you're required to buy a 5000₿ insurance policy so they can get commission.

You can either keep trying until you find one willing to work with you, or hire an agent to assist.

Not sure about how those particular visa types, but Thai immigration, in all its forms, normally prefers cash or at least bank account **printouts** -- with almost no exceptions. I have seen SOO many foreigners get held up at the border for merely "showing" their bank account balances on their cell phones. So do not even try -- bring cash and paper instead (and to be fair, many USA banks and US financial aid programs have similar policies when requesting proofs of incomes and resources -- and in some cases the US agencies are even more stringent about what they will accept for things like this)