Just open a Charles Schwab account and enjoy free ATM withdrawals. They refund all fees, including foreign ones. Money in a Thai bank is money they will track and tax. Seems like many want an account to flex being a white guy with QR payments. I'd rather keep my money in my American account and not fuss with ever changing Thai bureaucracy that may cause you headache later. Your landlord will accept cash. You can use your foreign cards for Grab, Bolt, food panda, 7-11 app, etc. I see no benefit in paying an agent for the privilege of giving Thai authorities an inside look to my finances.

I know it's an unpopular opinion here, but honestly, would probably be a good idea if they did do that. Kind of stupid to allow people with a single doctors appointment or taking a week long cooking class access to your country for 5 years.