@Henrik ****
it is difficult to get a bank account unless you have a long term visa. With a non O or non O-A retirement visa there will be no trouble.
I’m not sure where you get your information about residence certificate. You can get one the day you arrive in Thailand even if on visa exempt. All you require for a residence certificate is the completed application form, TM30, passport copy and passport, passport size photograph the fee and patience to wait at immigration. I have obtained residence certificates in the past within days of entering as a tourist and in April got 3 the day after entering on a visa.