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.