An overstay isn't something you want to minimize. You'll be higher on exception reports that may not only hurt you but others in the future.

1) I would suggest 3+ months but it can vary by consulate. American account/USD is fine.

2) I would keep at least slightly more than the USD equivalent to cover exchange rate fluctuations.

3) No, not really. You just need to prove sustainability.

4) The DTV must be applied-for outside of Thailand, and you must remain in that consulate's jurisdiction until approval.

@Justin *******

using an ATM and credit cards is essentially transferring money, bud.

@Elías *******

to live on? ffs

Wise

You must apply in another country and remain there until you are approved.

You use your country's embassy

You can't have two visas at once.

@Doug ******

what was the turnaround time for Chicago?

Bank account: no.