Just get a Charles Schwab account. All ATM fees from any bank, anywhere in the world are refunded at end of month. No monthly fees. Free checking. No international transaction fees. Great exchange rate when u take money out of a ATM (similar to a good exchange booth like SuperRich exchanges).
. LTR is the best. Annual reporting only takes a total of 5 min (in and out in 5min) and only requires a 1 page form and your current passport. No need to report if u leave and return as it resets to 1 year every time u reenter.
LTR visa holders are tax exempt for any money brought into Thailand.
No need to deposit and keep money in a Thai account. U can keep it all in your own country.
No need for annual renewals. It’s renewed at end of 5yrs.
If u have a Charles Schwab account there isn’t any international transaction fees and all ATM charges are refunded at end of month. And a ATM withdrawal comes at the posted “TT Rate” which is very close to the SuperRich Headquarter rate which is really good.