Family support and to an SCB account, but I believe Wise as well as SCB they are partners with Bangkok bank also. I only transfer to the same account every time and I've been doing transfers for years. Also I use debit card, it's much faster than bank transfer, takes seconds in most cases. Also I've found that it's better to do transfers Monday to Friday. Sometimes when I've done transfer at weekend it can take more time, sometimes by Upto one or two days. Must be something to do with computer systems at weekend.
I've used Wise for ten years now and the only time a transfer has taken more than a minute or two, is sometimes at weekend and only one time a computer problem, which took two days to complete transaction. Other than that one time my transfers have sometimes only taken seconds to arrive
I lived in Udon from 1998 to 2009. I only ever got four visas from Embassies/Consulates in all those years. Three were two month tourist visas and one 12 month multiple entry 'O'. I worked a lot of the time offshore outside Thailand, so didn't need to get into all the extension crap, so I understand what you mean by people being ridiculed by smart arses. I used to do my own visa procurements for visas for other countries from Embassies in Bangkok, but they were different applications than retirement extensions, so it'd be a while new ball game for me too if I wanted a visa extension based on retirement.