I called my bank call center and tried to make my atm working in England. After everything was fixed, i went to England but didn't work. You need to have credit card, pobably.
, if you always show the immigration same account, probably it's like you said. In my case that time, i has to show another account, so probably bank manager advised mr to do so.
, on 2020, i have went lower than 800.000 on saving account, so i had to show the ammount of deposit account, and bank manager said , you never moved any money from deposit to saving, so better you transfet 100 baht. If it's like you saying, better this way.
You need to do at least 1 transaction per year , between saving and deposit. It's also coveniente to have deposit account as you will get, depends on bank, some % per year. So, i advice you to have both , saving and deposit, so every year you do , on the app, one transaction of 100 baht per example