I really don't care if you get your retirement or not. It's an advice page and I gave same advice as several others. I do note, however, I'm the only person you hurl abuse at for giving same advice.
you can get the Non O visa. Think that's 90 days. Enter and open bank account. Deposit money. Then apply for 1 year extension of stay. It was suggested by one of the experts. Calling people dumb because you don't want to listen to people explaining how to get it done, is a bit ridiculous.
banks are mostly reluctant to open bank accounts for those on tourist visas or exempt entry. As Brandon and others have said. Therefore the Non O type of visa is recommended. Fyi I opened my account last may on visa exempt entry. My biggest problem was not having 2 IDs.