incorrect a Non OA you get in your own counrty and is a 12 month visa with no requirement to transfer money in Thai bank unless you want to extend it after 12 months a Non O is 90 days and you can get in your home country or in Thailand and requires money in Thai bank before extending just like Garrett said
a Non O is a 90 day visa you can extend from this based on marriage /retirement at most immigration offices or leave and come back till it expires getting 3 months on arrival ( no insurance required).
A Non O-A is a 12 month Visa and you will get stamped in for 12 months or the length of your Insurance every time before it expires.
Used wisely you can get 2 years from the 1 Visa.
You can also extend O-A based on marriage/retirement in Thailand but will need Insurance.