@Pa**
If you aren't planning on staying more than a year, you could take the money out right after you get the yearly extension. You just wouldn't be able to extended it next year, you'd have to start the process over by getting a new Non-O if you wanted to stay another year.
The Non-OA doesn't have that requirement, you just have to show that you have the equivalent amount in your home country's bank account when you apply. The biggest downside to the Non-OA is the health insurance requirement.