Non OA how does it work
A Non-O/A visa gets you stamped in for one year. No need to show any money in a Thai bank account because for the application to a Non-O/A visa in your home country you only need to show the 800,000 THB equivalent in your home bank account, or proof of income of more than the equivalent of 65,000 THB.
If you do a border run on the last day of the one-year visa validity, you will get stamped in for 365-days for the last time, given that your mandatory health insurance also is valid for 365 more days. If your health insurance is valid for less than one year, you will only get stamped in until its expiry date.
Only when you then wish to stay in Thailand longer, you need to apply for the 1-year extension of the stay permit - that's when you need to show 800,000 THB in your Thai bank account, seasoned for 2 months on the day you apply for the "1-year extension"
During the first year of a 1-year stay permit out of a Non-Imm-O/A visa, you need to do the 90-days reporting on Immigration. You can do unlimited exits and entries during the first year of the visa validity because this visa has a multi re-entry permit included.
During the "second year" (after the expiry of the visa validity) you do not have a multi re-entry permit anymore, so if you wish to exit Thailand and return, you need to buy a single re-entry permit to keep your most recent stamped stay permit alive.
When the day of the expiry of the visa validity (ATTENTION: do not confuse the end date of the visa validity with the date your stay permit is valid until) is nearing, you need to do a border run in order to get stamped in for another 365-days period.
For this you must secure a new one-year health insurance, it can be a foreign insurance or a tgia-listed insurance, as long as you get their F.I.C. statement, which you need to show at the border when re-entering. You will only get stamped in for as long as the health insurance is valid when you do a border bounce.
You don't need any financial proof when doing the border bounce into the "second year".
However when applying for the 1-year Extension of Stay Permit when the second year is ending, you need to prove 2 months seasoning of a minimum of 800,000 THB in your Thai bank account in your sole name.
AND you will need proof of a one year Thai private tgia-listed health insurance, as from the extension on, foreign insurances will not be accepted by Immigration anymore.
In case you are a citizen of a country whose embassy still issues income affidavits, Immigration might insist that you actually use the embassy-notarized proof of income.
If you are citizen of a country whose embassy does not issue income affidavits, you would need proof and a 12-month bank statement of 12 months of transfers of a minimum of 65,000 THB, month for month not missing out a single month, and proof the transfers come from abroad.
I strongly recommend you visit “your” Immigration to get a handout list of requirements for the application of the “12-months extension of stay” out of a former Non-O/A visa if you plan to do so, instead of flying back to your home country to re-apply for the same visa, again
The downside of the O/A visa is the fact that you are bound to have a tgia-listed Thai insurance for the rest of your life. Should you wish to keep the freedom of choice regarding your health insurance, you must start your retirement in Thailand on the Non-Imm-O Retirement Visa, instead