@Ken *******
you don't NEED to show proof of funds in your country to buy a Non-O visa from the consulate there but you CAN do that if you don't have a bank account here yet. :) It's a definite option when you buy a visa at a thai consulate in another country.
Then you can come in on the Non-O, get stamped in for 90 days, open a thai bank account and deposit the 400K baht so you can apply for the year extension when your 90 day stamp runs down.