Banks in Thailand are like everywhere in the world, interested in having good stable customers, that have a permanent address, a steady easy traceable income, and use the account all year round.
That is why the banks are reluctant to give accounts to people on short time ( read: tourist ) visas, and who only spend part of the year in Thailand.
Don’t expect to get a residence certificat, until you have stayed at a permanent adress in at least 3 month, since that is what the residence certificat should confirm.
Furthermore the added attention on whitewashing of money, is an added burden on the banks, so reluctant depositing large amounts isn’t a guaranteed way to open an account.
The value of a resident certificat, had gone down, since Immigration Officers are giving them to people that are not on a longterm visa, or have stayed severel months at 1 adress in Thailand, so even if it is a formal requirement, the bank make up their own assesment of the stability of the want-to-be customer.
Be aware there is a error in the start of the article ( and several other copy - paste media with the same article )
A Thai Bankaccount has never been a requirement to get DTV, on the contrary it has been one of the big advantage over other visa, that you could get DTV as long as you could show 500.000 Baht equivalent in any bank anywhere in the world.
It has never been the intention that DTV visaholders should be in need of a Thai bankaccount.
You can not use those statements for anything, they can shift both ways, and there is no fixed time going from one to the next. (ex. first step 2 days, second step 3 weeks)
Put the 500.000 Baht in 1 account, much easier for the Embassy to deal with.
Make the application simple, but cover all the requirements of that specific Embassy you apply at. ( Different Embassies, different requirements, so you can’t get exact answers without telling what Embassy )
The deposit is meant as a guarantee that you can pay for yourself if for example you need to go to hospital, and pay before you get treatment, or other big sudden expenses, so no good idea to dig in to deep of the deposit, you may suddenly need it.
Use some time to read the earlier posts in the group, eventually focusing it by searching for the Thai Embassy you will use, then you can easily do the application yourself.
Thai Bankrules have been tightened, because too many people has misused the Thai Banks, laundering money, and trying to hide money away from their homecountry.
But it is not only Thailand, where money needs to traceable etc. it is going in tha direction in many countries.
Been coming in Thailand for close to 30 years, different lengths of stay ( 2 weeks - several months) and never needed a Thai bankaccount, since I have my income outside of Thailand, and that’s where it is needed to have a bank, customers can pay to.