an OA VISA is 1yr visa, multientry. Requires heath, medical and police clearance.Only obtainable from an embassy using funds outside Thailand. A non-o visa is a 90 day visa requires no health insurance or clearances. You can apply at an embassy or incountry. Then when you are in Thailand you apply for yearly extensions.
what's your point? You don't qualify without an account so you have to get it outside and then get an account. That's a banking issue NOT an immigration.