Got my Non-O once in Thailand (2018) : 1. Entry on "ENTRY EXEMPT" (30 days), 2. then applied for "EXTENSION" (30 days). 3. About 20 days before the expiry of this extension, applied for the "Non-O", got it (valid for 3 months), 4. About 3 weeks before expiry of Non-O, applied for "One Year Extension based on Retirement". To extend every year if requirements still met (finance, lease contract, etc.). If you travel outside Thailand, you must ask for a "Reentry Permit" (otherwise you lose your "One Year Extension". Hope this helps. ;-)
With your ATM debit card, you can withdraw up to 50'000 THB a day in any ATM aoutside Thailand that carries the symbol Union Pay. Only 100 THB fees per withdrawal.
Indeed, without a work permit, one cannot have e-banking on a PC. However, if you have a Thai phone number, you register the numbre at your BKB branch, dowload the BKB Apps and you can access your account via the Apps. In the meantime, you can transfer monney from anywhere in the world via the SWIFT into your BKB account.