Why do people keep trying to circumvent the system then cry to a Thailand visa group asking for help. Do things properly in the first place and you won't get any hassle.
If you are coming for a retirement visa I don't think Kasikorn will open an account for expats until you have been here a while. The visa agent opened a Bangkok Bank Account for me
As I understand it. You can travel around Thailand without reporting your location so long as you do the 90 day report. I would double check my comment though just to be sure.
Your first 90 day report is from when you arrive in the country. If retirement visa is technically 15 months. It's the 90 days plus your 12 month visa.