@Jim *******
as a US citizen.
You could try an LTR visa, if you qualify by income.
You can purchase an Elite visa at a million or more baht.
IF you get a 90 day non-o or 1yr OA visa from the embassy in the US you may qualify for income.
BUT you will not be able to use income for a 1year extension in country as the US embassy does not issue income letters to support it.
You would need to deposit 800k baht in a Thai bank for at least the first year and
deposit a minimum of 65k baht per month for an entire year before applying for the next extension based on income.
Once you have a visa from an embassy you enter and can open a bank account.
Oyust only be in your name.
Of your enter visa exempt you will not likely be able to open the account without an agents help $$.