You can outfox them with a letter of demand for either immediate closure of your account and refund of the balance or a signature of receipt of your letter of demand. In 30 minutes, you walk out of the bank with your cash as the manager has no valid grounds for not refunding your ballance.

This is the 3rd World mate, that's you problem you don't get it. Requirements and protocols are gambits that experienced agents know how to massage into some wiggle room. They earn their money on results, I pay them for an approved stamp in my passport. How it got there is water under the bridge.

99.9% who leave it with an agent get a retirement visa by following their expert advice. My guy have to get a new bank, so a few months extra delay, but no issue that was a visa dead-end. The 0.01% who don't use an agent, must believe they are entitled to one, irrespective their ignorance about requirements and protocols.

I managed to get the bank ATM account for this type of retirement visa before the change in policy about 1 month ago after doing the rounds to immigration and a branch of the Bangkok bank. . I was told that my passport would be sent to immigration and it wouldn't be ready for pick up until the 21st Feb. When I checked with the agent yesterday, she said everything had changed and they would have to find a new bank. The agent or immigration have my passport and the 34,300 baht I paid for the 12+3 month visa and probably have hundreds of clients in the same boat as me. Any advice on what I should do now? My two month visa has expired during the 1 month waiting period. I was told by the agent when handing over my money and passport that they were the experts who would handle everything and not to worry. That's hard to do without a plan B, and it will take me at least 12 months to liquidate some assets to keep a minimum of 900k baht in my retirement bank account..