thanks Brandon. My embassy is same as yours from your info. I am with Bangkok Bank for about a year and of course it is frozen without notice (no agent, signed for my tax # and my name on phone). I have their new requirement from my lady who  met with them. 
Still putting in 65,000 in case rules change on an odd month during a full moon.
Plan: 90 day non-o here.
Open different bank - they still will not open to use until I have one year retirement visa. Transfer 800k to new bank and season two months.
I will be coming to Thailand with either a TR 60 day visa or just a 60 day exemption if the TR expires.
My question is since I already have a Thai bank account and will season it for two months, can I just do the the retirement non-o 1 year visa at immigration or do I need to do two steps?
Get the 90 day non-o visa here or there, then have to get the 1 year extension. Seems that I can just skip the 90 day visa. Thanks