most Amphur refuse to do it, which is why people use Bang Rak. I am usually opposed to using agents, but this is a situation that is well worth it or you will spend as much travelling back and forth to Bkk and getting interpreters, witnesses, documents translated etc.
You are absolutely correct it is a Catch 22 situation, but is possible.
I tried about 10 banks before finding a branch of Bangkok bank that would open an account for me and I think they are even stricter now. If that is the case an agent might be the solution, anecdotally they charge about 3,000 baht for this service and you are not tied in to do anything else with them. They do not need an agent to get the non o visa, that is a simple process to follow.
yes that's a valid point, I assumed Julie was legally allowed to drive in her home country, but she might not be.
My point was really saying it is much easier to obtain the Thai driving licence if she has the IDP. Without it she will have to do the full Thai driver training.