I was in the same position when I came in January. Pretty much unless I used an agent I was not going to get a non-0 visa while I was in Thailand. I actually had to go to Cambodia and file for the E Visa online the day. I got there. It took Tuk 10 full business days so I was actually there for two weeks. Fortunately hotel rooms are ridiculously cheap in Cambodia.
seems to me Thailand is cracking down on agents providing the money which is technically a violation of the law. I would not want to risk being in a situation where I don’t actually have the money in an account that I’m supposed to.
I have to put the 800,000 in the bank for a year. Not sure what you are suggesting.
If I put that 800,000 in a savings account I get .025%
If I put it in a fixed account, I get 2.4% , though I can only take money out by going inside the bank to the teller and not through an ATM or wire transfer to pay bills