maybe not, I was preparing to apply for a retirement visa, the following month and needed an account to transfer funds into.
If you are doing 90 day reports, you can obtain a residence certificate from immigration, the bank's alternative requirement to prove your ID and address
Bangkok bank, head office branch. Opened an account in Oct 21 on a tourist visa. You will need to obtain an Embassy certified copy of your passport and your TM30 receipt. To get the passport copy, you'll most probably need to make an appointment at your Embassy. No insurance required, I only deposited 500thb to open the account. Plenty of English speaking staff.
already on overstay... Well what else did you expect? I arrived in Feb 2020 on a tourist visa and ran with covid extensions all the way through. No under the table volunteer visa, thinking I could fool the system... That's where you went wrong