You can get a oa visa from your own country
You don't need to have
*****
0 the in your thai account
But you need police check from your country
Full 1 year insurance from your home country
Also 1 year insurance from a thai company
Health certificate from your doctor
This will get you a multiple entry OA visa valid for 1 year
Also exit flight and proof of accommodation for the whole time
It sounds complicated but really isn't
You need to show the equivalent to
*****
0 thai baht in your own currency
I do it this way because of the interest I get in my home bank is way more than a thai bank