@Mark *******
okay, it seems you got your wires crossed somewhere.
As Robert pointed out you either transfer in to the country from abroad 800K baht into a thai bank account in your name only OR you transfer IN to the country into a thai bank account in your name only a minimum of 65K baht a month each month every month to show proof of funds.
At this time with what you said you have NO option to get a Non-O visa inside the country with the time you have left.
I'd say go to the thai consulate in Penang Malaysia, apply for a 90 day Non-O visa, using proof of funds from your bank in the US. Come in get stamped in for 90 days, THEN open a bank account and start either transferring in 65K baht a month into the account each month every month or transfer in 800K baht and leave it sit for 2 months before you apply for the year extension.