Can my wife and I apply for a Non-O retirement visa while in Thailand given our bank account conditions?

I believe that the OP has the answers needed for his question.

Thanks all for your helpful replies.

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You must likely entered on visa exempt.

Deepening on where you are you need 15-20 days left on your stay to apply for non-o 90 days. You can extend 30 said if need more Time.

Go immigation and get that local updated info for the visa and what papers you need, if you don't know. Expect that wondering will be missing and come back again...

Seems very strange that immigration said you should have a visa given you are from USA and presumably don't have a history of entering Thailand without a visa, but this is Thailand as they say.

You do not state which IO you will use, but your wife should have no problem applying for the non O.

Good luck.

You can also apply for a single entry Non-O retirement for 90-day stay at the Thai embassy/consulate in your home country or some SEA countries.

You seem to mix some things up.

You don't season your funds for in-country Non-O retirement applications, as a general rule (There are a few such as Jomtien requiring funds to stay for two months for in-country visa application though).

As you and your wife have funds for each bank account, you shouldn't have a problem (regarding funds requirements) applying for in-country Non-O visas based on retirement. You can apply for it even on the day you get internationally transferred funds in your Thai bank account.

You need to have funds in your Thai bank for 2 months when you apply for your 1-year extension at the end of the initial 90-day stamp.

As you are already in Thailand, the entry point wouldn't matter for your applications in your future in the least.

Here is the general information of summary of the overall procedures to apply for an initial visa and the following extension.