Having a bank account in one province and staying in another makes no sense whatsoever. It will eventually bite you in the ass.Of that I'm quite sure.There are also bank branches that won't issue for example a bank letter if you're not a customer.
Officially,when sending money and you want those transfers to show up as international/foreign, you must use either Funds for long term stay in Thailand or Property Purchase. Did you use these reasons for your transfers?
Your pension is to low for a retirement visa, it doesn't meet the requirement which is 65,000 baht per month.You are married with a Thai and can apply for a Non-O visa based on marriage. The monthly income requirement is just 40,000 baht per month. If your marriage is registered in Thailand it's dead easy.