@Alma **************
if you want to avoid putting money in a Thai bank then go back to your home country. One of you would then apply for a Non-OA visa and the other a Non-O visa as their dependant (known as a trailing spouse visa). No money in a Thai bank required at all.
But the reality of the Non-O Retirement visa is not as bad as people make out, you actually do need money to live on in Thailand. If your embassy (I don't know your nationality) provides an income affidavit/certificate you can use this inside Thailand and again don't need money in a Thai bank.
If your embassy doesn't provide an income affidavit then you need 800k baht in a Thai bank for the initial 90 day visa and the first 12 months extension of that, during that 12 months you can transfer 65k baht from overseas each month and use that for the 2nd extension and going forward, you can spend that 65k baht as it arrives