When I arrived in November, I went to immigration at Jomtien one day after for the TM30. They said that I didn't need because I was the owner of the property . I told them that I didn't want to have problems in the future,....
So they accepted to register the TM30... But they said with big smile that it was just because I worried.. because I didn't need.
At Siambank there are two types of debit cards the simple 200 THB a year and the one with insurance that they only propose 😉 and that is around 650 THB à year. Maybe the same at Bangkok Bank. I get one simple debit card at Bangkok Bank and I didn't pay an insurance when I opened the account. (Bangkok Bank agency North Pattaya)