well, just my experience and what I was told by the bank...I was nearly 3 years in Australia because of covid...had my account with SCB and KTB, had the thai phone number canceled and had an Australian number, never ever a problem...
I was required to have 12 months insurance when I applied in December 2022 for my Non-O visa in Cannberra Australia, it may have changed since then, I don't know