really? "every morning they come up with new ideas and those ideas always benefit them not you" - that's nonsense. I have had accounts in 2 banks for several years. What has been changed is photo requirement a couple of years ago - and signing of some - 2 I think it was - documents. That's it. Hardly "every morning". And banks all over - not just in Thailand - are tightening their requirements - afraid of white wash and must follow the legislation. So yes - I think it is nonsense.