I will be coming to Thailand in January on my non-O 90 day visa to subsequently apply for my spousal visa. After arrival, my plan is to quickly set up a bank account and immediately deposit more than 400k baht. I also plan to set up another bank account and begin immediately transferring more than 40k baht from the US every month. I thought that after the end of the 90 days and after approval of the one year spousal extension, I could then withdraw the 400k and continue the monthly transfers. I thought that before the end of the one year, I would have a record of more than 12 monthly transfers and all would be good. However, I was recently advised that I would still need the 400k in the first account to get the second year extension. Is that correct?