Your ticket will be for 4 months and exempt visa issued for 60 days.
You may have a problem boarding your flight as the airline is responsible for length of stay, they randomly check passengers.
I would advise you to buy
1) a ticket through 'onwards flight' I believe $15
2) a cheap flight to Cambodia or Malaysia which if you don't use can bin
3) an expensive ticket for neighbouring country which you cancel on arrival and get refund
So can come for 60 day exemption visa, buy 30 days more at immigration. Then take a break to neighbouring country or do border run, on return have another 60 days
Anonymous participant very surprised as living here yet not speaking Thai I have arranged dozens of viewing in Chonburi from agents adverts in Facebook Marketplace.
Never had any problems, yes sometimes a condo has already been taken but I reply what my budget is and if tget have anything in that price bracket they come back to me. Secure 2 apartments for friends last week.
Regarding thai bank account this can be opened using an agency and getting a resident certificate from immigration once you have filed a TM 30