The way the agent worded it, I thought it was a different visa from the retirement visa. Quoting them verbatim
"I recommend to apply 3 months Non immigrant O with Thai embassy in your country and you can come to Thailand to contact local bank to open bank account. After than we can provide 1 year Retirement visa for you which we can process without you depositing 800,000 THB in Thai bank account."
Thanks Stuart. You have just gotten one monkey off my back.
How strict are they on dates? I'm planning to get to Thailand some time in April. I have so many balls in the air at the moment that I cannot be more specific right now.