well, you go to a bank and use the ATM, not the kiosks that are scattered everywhere -- for quite awhile the pros were putting false fronts on the machines and scraping logins etc... more Thais were targeted than foreigners... they got a lot of money... and it's still going on
Bangkok Bank is pretty much the go to bank (recommended by Thai immigration). They even have a New York branch but they aren't really connected. Banking is modern and safe (but avoid ATMs they have been targeted by sophisticated criminal gangs)
a few years back the government issued stern warnings to banks (counter money laundering and fraud)... and bank officers get very nervous opening accounts for foreigners without good paperwork (this country runs on bureaucracy)... but, hey, it's thailand and someone will tell you they did something no problem. I have a house registration and marriage visa and had to insist they open my account... they said 'no can do' probably 6 or 7 times... I sat down, said call headquarters.... heh heh