I got my branch in Bangkok but live now in Phuket. Bangkok bank at Central is very helpful and I can handle all stuff at their branch. For withdrawal at ATM I use cardless without any charge.
COVID teached me a lesson. OA visa must renewed in your home country. So I had to travel during COVID with all that restrictions. Wasn't easy with all that special paperwork. So I changed now from OA to O which I easily can extend in Thailand every year while OA extension is not that convenient.