doesn't matter you just have wherever you are staying to register your tm30.Remember once you have the visa. It doesn't matter, you can change your flight plans, country of entrance, where you stay or whether you even go to the courses.... Once the visa is in hand away you go..
Banks freezing accounts I witnessed it today , I was at Krungsri and the fellow was quite agitated.. let's leave it at that. He was told 2 choices: Close account or provide documents- no idea what they wanted.
It has recently become almost impossible to open a bank on a tourist entry. I witnessed at Krungsri Bank TODAY a foreign fellow be told by the bank that he has to close the account or provide the required documents. He is currently unable to use it.
So bank accounts are a very real problem now.
There are different paths to achieve a visa.
The path you are speaking of is 90 day NON-O based on being over 50 (commonly called a retirement visa), beginning with a 90 day Non-O visa, then extensions after.
IF you cannot open a bank account, (as of today not very likely), then you need to get the visa from an embassy, based on money in your home accounts.
Once you enter Thailand on said Visa then you will need to apply for a 1yr extension.
(Opening a bank is now possible with a proper non tourist visa.)
FOR this you need the money in an account in Thailand.
Most offices require the money to season for 60 days. *a couple rogue offices want 3 mths. Have to ask your local office.*
Once the money has seasoned then you apply for the 1 yr extension.