If you are located in Bangkok, I know a law firm who can assist you open the bank account. You only need your passport and you do not need the embassy letter.
Regarding the non-immigrant O visa and the Retirement visa, the seasoning of the funds for two month is not required when you are changing from Tourist Visa into Non-immigrant O visa. The 2-month seasoning will be required when converting the non-immigrant O visa into a retirement which will take place 2 months after you receive the non-immigrant O visa.
Hello. If you are having a a problem obtaining a document from the embassy for opening an account, this page may interest you in opening a account under a visa amnesty stamp.:
You will get a Non-O (Married) 90 day from England, and after you entering to Thailand before your visa expried 30 day, you can apply 1 year inside of Thailand, as long as you have 400,000 THB in a Thai bank.