generally you cannot open a bank account on a tourist visa. But if you apply and receive a non-o for retirement 90 days visa in country. Then you should be able to open the required bank account ( bring a passport with non-o visa in it and a second ID from you originating country)
Admittedly the banks can still be difficult and have their own unique rules.
Thailand is trying to insure that you will not tap into the countries social services and become an expense to the country. Especially since you probably will not have medical insurance either