@Eric ********
, seeing as you can't get an O-A visa inside the country
AND
you use your money in your bank account in YOUR country to meet the financial requirements to get it,
I believe you're confusing the requirements to get an O-A visa from the thai consulate in your country with the financial requirements for getting a yearly extension of stay from the thai immigration office inside the country when using banked money for an extension based on being over 50 (retirement).
That is when you need to have the money in your thai bank account for 60 days prior to your application for the first yearly extension and for 3 months prior to every yearly extension after that,.
ONCE you have the extension in your passport you can take the money out of the account if you want to