@Stuart ********
You do not need an embassy verification letter for the 65k baht if you are applying from within the US. I applied for my OA in December using my SSA benefit letter. No questions asked, no problem getting my Visa. Opened my bank account once here but did need residence letter, etc. I have a multiple entry visa. I will extend my insurance before I leave and when I return, I will get another 12 months on the OA before I need to extend.