Any time you stay more than 90 days in Thailand, you must do a 90-day report unless published in the regulations not required for a visa category. Nothing is published about 90-day reporting for DTV visas; that means you must report. I believe for LTR visas you don't need to do as of now.
Use an agent. In Pattaya it was guaranteed. Krungsi in Pattaya central was easy before COVID 19. I have three bank accounts but I have stopped using them. I exclusively use my US issued bank ATM for cash and CC for most purchases wherever possible, like