When you get the 90 day non-o in your home country the money does not need to be in a Thai bank account, and when you get an affidavit from your embassy you never need money in a Thai bank account. Below
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baht a month income also is possible at some immigration offices, like 400k deposit and
it may be below 800k for some short periods, but when you need extention you need at least 800k at that moment, so practically, just keep the 800k there.
Telling an IO has a bad day or is looking for a fight is not an experience either, but also an opinion. When they want to see the old passport that is perfectly OK.
According embassy and immigration office you need to comply to visa requirements every time you enter, but normally no checks. Some people here think no checks is same as no requirements, but they don't have proof of that. What is a guilty visa?