A big issue with the 800,000THB in an account is that Bangkok Bank told me they have no provisions for beneficiaries should there be death. Thus, you would need a Thai will. Joint account would not work because I think that the 800,000THB would be only 400,000THB for retirement extension purposes.
Bangkok Bank, but because of where I live, they may not have the necessary USD if I want to withdraw in USD. I would need to go to a major city for that. They would let me convert any USD withdrawal to THB locally.