I opened one on a tourist exempt ( 30 days extension ) after visiting numerous banks
( in pranchinburi) and being declined, went to immigration office, filled in the appropriate form, including details of girlfriends address, copies passport details page and extension page . . the immigration officer gave me a letter ( in Thai ) and told me in very well spoken English that with this I could now open a bank account . . . Went back to Bangkok Bank, and with the said letter and further copies of documents was able to open an account . . without the added insurance,
I opened an account with Bangkok bank very recently . .( on a 30 day extension Visa free entry ) After being turned down by several banks . . I went to the local immigration office,
who asked for photocopies of passport, 30 day extension, proof of address and girlfriends ID . . . upon acceptance, they gave me a 'letter' in Thai . . that then enabled me to open an account ( one of the banks that had previously refused ) go figure . .