Get a non-o visa on line before you arrive 90 days. You can extend whilst you here. I moved from Uk to roi-et in September last. Best thing I ever did was
this was in roi-et and it had changed from a few months earlier. The bank said we need letter from immigration , which was quite easy , they done it whilst I waited my Thai gf sorted it all out , This may not be case elsewhere, and it changes often
Wise is fastest . Rates real good too. Get a wise card , you can have a bhat account. You top up when rate is good , use like debit card in Thailand. ( still 220 bhat fee at atm mind )