In the new ruling, you can not get a bank account without a non-O visa or work permit. And you can not get a non-O in Thailand without the bank account.
Circles, circles, circles. Hence I search a financial service company which can assist me opening the bank account.
It’s about wording. There is no such thing as a “retirement visa”. When you want to stay in Thailand longer than 3 months, you start with a non-immi O visa. The visa is valid for three months. Before expiry you can apply for an extension based on either retirement or marriage to a Thai national (I believe there are more forms, but these two are most common).
You agent says ‘retirement visa’ but should have said ‘extension based on retirement’.
The non-O visa is basically a foundation on which you get the extensions. Once you have a one year extension (which must be repeated every year) you will need to subject to 90 day reporting so immigration knows where you are. (Easy process which can be done online).