I didn't get four months with Santander - that was instant. However, a phone call fixed it. I've had no issues with Bangkok Bank, it might be those who use agents that are falling foul of the new rules. I've never used agents so it appears I'm "above suspicion"
The banks will no longer support fraudulent actions. There's nothing wrong with that. Why should a bank put its licence and reputation on the line to support cheap foreigners. Makes no sense
You'll have no problem. Immigration are looking for patterns of people staying in the country for too long in free entries. Your pattern suggests definite "tourist". You'll have no issues