just apply for the Non O visa before you travel, come to Thailand, open a bank account (easy with a non o) and then when you have 30 days remaining, apply for a year extension, it not hard to do. The people who say it is difficult are the ones that cannot follow instructions and want to argue about the requirements.
If you just do it how they ask it is as easy as photocopying documents and handing them over, Simple
I have two accounts, one for visa money and the other for spending
You would be much better off getting your Non O visa before you travel here, it's very easy to do and then you can open bank accounts much easier with an Non O.
Getting the visa your home country saves so much hassle!
looks like that's from a 3rd party web site and is referencing OA visa, go to the official website for the requirements, but if it is for the OA visa you will need to purchase a policy that is specific for the visa.