It seems to vary from bank to bank. When I set up my account with Bangkok Bank at the Jomtien branch near immigration, they actually installed the ap on my phone for me and set it up and made sure everything was working properly. They also issued me a debit card on the spot.
I remember seeing a Bangkok Bank web page that specifically addressed all this - a special program just for foreigners.
But I have heard stories suggesting that every branch has different policies. Sometimes two different employees in the same bank will give different answers.
But thousands of us have done this successfully, so don’t give up.
As a retiree from the USA myself in my third year in Thailand, I strongly recommend opening a Thai bank account. There are just too many things it makes it possible/easier to do. I use Bangkok Bank and Wyse to move my retirement funds into it. Problem-free.
“Upon arriving in Thailand, all travellers must undergo entry screening, including body temperature check, and present the required documents to the Immigration/Health Control officer to carry out the checks.
The vaccinated travellers will then be allowed entry and are free to go anywhere in the kingdom. *For arrivals by land using a border pass, they will be allowed a stay of no longer than 3 days within the specified areas only.
Likewise, unvaccinated/not fully vaccinated travellers who have uploaded proof of a negative result from an RT-PCR test or professional ATK within 72 hours of travel via the Thailand Pass system will be allowed entry and are free to go anywhere in the kingdom.
Unvaccinated/not fully vaccinated travellers without a negative test result within 72 hours of travel are required to follow the public health instructions and guidelines as deemed appropriate by the Health Control officer at the point of arrival.”