You apply for the 90 day Non-O visa before you travel to Thailand. When you arrive you open a bank account, put the required funds in it and apply for a 12 month extension when you have 30 days or less left on your 90 days visa
it will be up to your specific immigration office whether they will accept it or not. I've heard of some accepting it when someone has been on an OA visa left and shortly after returning on an O visa. Your mileage may vary
to use monthly transfers from overseas requires that you can show a transfer of a minimum of 65k baht each and every month for the 12 months prior to applying for the extension. It's clearly documented on immigration websites.