I see clearly that you are confusing some things.

You cannot enter on a Non-Imm-O Family Visa and apply for the “1-year Extension of the Stay Permit” based on retirement

You cannot change the “reason” of the visa that you got issued. You will need to apply for the “1-year Extension of the Stay Per mit” based on being married to a Thai wife

*** you arrived on a 90-days Non-O Visa and got stamped in for a 90-days stay permit

*** you lost 3 weeks in the search of a bank willing to open an account for you, instead of using an agent service that would have opened an account for you within one or two days

***You do not apply for a “Retirement Visa”. You will apply for the “12-months Extension of Temporary Stay Permit based on being married to a Thai wife”. You do not have a visa any more

***you only need to show a minimum of 400,000 THB in your Thai bank account for the application to the 1-year Extension based on marriage to a Thai wife

***you need a freshly Thai Amphur printed Kor Ror 22 or 2 (whichever applies) marriage registry document to show Immigration that your marriage is acknowledged and registered in Thailand.

*** You don’t need 15 days left on a 90-days stay permit which you got when you entered Thailand on a Non-Imm-O Visa.

This requirement is only for those who apply for the “change of visa type” from a touristic entry to an initial 90-days Non-Imm-O Visa

You are able to apply for the “one-year Extension of the Temporary Stay Permit based on marriage” up from 30 days before the expiry of the 90-days stay permit.

***You gotta hurry up because the expiry of your 90-days stay permit is nearing. If you miss the date, you cannot get any 30 days extension on this

*** however what you can do, is applying for a 60-days Extension based on “Family visit” on Immigration before those 90-days stay permit expire

For these 60 extra days, you need a freshly Thai Amphur printed Kor Ror 22 or 2 (whichever applies) marriage registry document to show Immigration that your marriage is acknowledged and registered in Thailand.

***If you miss both deadlines or cannot prove your marriage inside Thailand (because it was never registered inside Thailand) you will face a problem.

*** However, there would still be a road open to achieve the 1-year Extension, based on RETIREMENT. For this, you must exit Thailand and invalidate the previous visa.

Then re-enter visa-exempt. You will get stamped in for 60 days.

Now you can visit Immigration and ask them for the application to the 90-days Non-Imm-O Retirement Visa inside Thailand (the “change of visa type”). For this application, you need a minimum of 15 days left on the 60-days stay permit. The application fee is 2000 THB

For this application, Immigration wants to see the minimum of 800,000 THB sitting in your Thai bank account. They also want to see a rental contract. There is no seasoning of the deposit needed at this point! Some Immigrations want to see a proof that the money came from abroad

***You will be issued the 90-days Non-Imm-O Retirement Visa “under consideration” for 14 days. After this period, you pick up the stamp at your Immigration.

***as soon as 30 days are left on the 90-days stay permit, and the bank certifies that the deposit has sat in your bank account for a minimum of 2 months, you can apply for the “1-year Extension of the Stay Permit based on Retirement”. The application fee is 1900 THB.

You can find the requirements to the “change of visa type” from a touristic entry to the 90-days Non-Imm-O Retirement Visa under number 9 on this Immigration website

@Keith ******

it is 2 months before the application to the 1-year Extension, and the 800K must be kept at least for 3 months after being issued the extension

@Alan ******

he is confusing the requirements, he would need 15 days left on his stay permit stamp if he applied for the "change" to the initial 90-days Non-Imm-O visa inside Thailand. He doesn't need to follow this requirement because he got that visa outside of Thailand and entered on it

@Tony ****

correct. You see, a change of adress for a bank account is absolutely no problem. Thousands of Foreigners have yet had bank accounts opened in City X, then if they later moved to City Y, they were able to register their bank accounts under their new adress at the bank branch in City Y. It is absolutley no problem, as this is exactly what a TM30 accomodation registration is used for. It enables you to receive a certificate of residence from Immigration, which you take to the bank branch in City Y to get your account address moved, making the branch in City Y your new managing bank.

@Tony ****

your plan is absolutely doable. Don't listen to Max. Ignore Max. Max knows sh..

@Max ************

leave your keyboard and go get some coffee. You are making it look like a can of worms. Stop molesting threadstarters!

@Max ************

you are overcomplicating the matter. He can open an account in Pattaya, and re-register this account at the bank branch where he lives under his local adress. Why do you insist that this is not possible? Thousands of expats have moved within Thailand and changed their bank branches to their new locations

@Tony ****

if your friends register you properly under the TM30 system, you can get a "certificate of residence" from Immigration for their adress. With this you will be able to get a bank account opened in Pattaya. Alternatively use an agent, it takes only one day

@Max ************

you are full of BS as usual. Take your medication and scroll on

the advantage being on a Pattaya adress is, in Pattaya there are a multitude of agents who can legally open a bank account for you on a Non-Imm-O Retirement visa. This service usually costs between 5000 and 7000 Baht. If you try it by yourself, you will most probably get turned down by the majority of the banks, some will make you contract an accident insurance as the prerequisite, others will simply tell you "not possible". If you want to streamline the process, use an agent