Why? You are making claims, and you are unwilling to back them up. Deflecting the fact by calling me clueless.
I am honestly wanting to know, so I can keep myself updated. But if you're gonna be all "trust me, bro" and not provide any sources for anything, your information is worth nothing and should be disregarded completely.
Not Pattaya, but I went to my local Kasikorn-branch today and opened a couple of accounts. While I have a extension of stay based on marriage so there was no problems, I asked about what about people with "regular" 90 day Non-O stamps.
The lady said it should not be a problem and sounded surprised when I told her I read about many people struggling to open accounts with their 90 day Non-O stamps.