I always use cardless ATM withdrawals now. If you're with Kasikorn you can also use Bangkok Bank ATMs. But it's best to also carry the plastic card as well because you never know, your phone could blow up.
in Thailand if you open a bank account in a particular branch it will always remain in that branch even if you move to a completely different area. You can change your address with the bank but the account will always stay with the home branch.
In practical terms that means if you move to a different province you will pay a small commission for ATM transactions because your account is still at the home branch and always will be unless you close it and open another account in the different province.
that's not my experience. Although I now have a Thai license, I was driving in Thailand for 20 years with my British license and had one accident. The insurance company accepted my license without question and fully paid for the damages.
yes there is a one year annual renewable Visa using marriage certificate. It doesn't mean you can live here permanently. You have to renew it every year and if you go for the lump sum route you have to have 400k in the bank. And there's the 90-day reports.