@Bob *********
apply for a type O visa before you come to Thailand. That gives you a 90 day visa based on retirement, that is not a tourist visa, so you can open your Thai bank account. That is how it is easiest to do it now. You just need to be over 50, and show a bank statement with at least the equivalent of bt800,000 in it to get the visa. Come to Thailand, open your bank account, transfer your money into it from an overseas source, and your set. That's how they want you to do it now, because, why would a tourist need a bank account here.