Charles Schwab bank refunds all atm fees. Just withdraw thai baht, click yes in the crazy 220 baht fee and they credit the atm fees the end of the month. Zero fees. No currency markup.
You would have to get one of the allowed visa categories for entry. Generally that means getting a work permit some how. Did you have a thai company or a job whe you were here?
I was there Friday. You need a very good reason and they ask you to explain all alternatives and why you haven't done e notary. There is only 1 person per half an hr for any type of embassy service so maybe 8 slots a day total, so you need a really good reason.
So I don't know anything about the citizen ship process and since Todd had mentioned it's different for women, I clicked on your pictures to confirm. My thai girl friend and I thought they were adorable and really show how you have assimilated well here. I'd print some of them and bring with you in case they ask you about your life here during this process.