this would be my first tour going to Thailand as I mentioned. My ultimate goal is to live there by next year. I’m in communication with a few condo building staff members in Pattaya. I think it’s called their Jurist Office.
I’m looking at that area because of the beaches and slower pace. I’m a New Yorker so I don’t really need to be in the city. I’ve done that in my life.
this is really good information. I have spoken with my bank and thankfully they don’t charge any foreign transaction fees. This is good news! In addition, I was informed that they will reimburse me if an ATM charges me. They also explained that when I withdrawal the money, do so WITHOUT Conversion. The reason for that is because some banks will tack on their own fee exchange to make money. 
thank you so much for your detailed explanation. I wasn’t fully aware of how that actually worked, and with you providing the proper link helps me out a great deal.