@Ken *******
hang about, I said i've never seen someone off a brand new 90 day Non-O pull it off (meaning they'd have only 3 months of transfers)
BUT
I have seen people who had a Non-O back last march, start their transfers, go on amnesty, get embassy letters, and then go on a covid extension (which gave them over 9 months of transfers BUT not a year) pull it off.
IF you have 9 months of transfers of 40K baht a month each month, every month since you entered on your Non-O you MIGHT <- (as in maybe) be able to pull it off.
That's totally gonna be between you and the immigration office you deal with.
Most offices stick fast to the 12 months of transfers and will tell you to used banked money method if you want a year extension. Check with your immigration office to see what they say.