Thanks for all the feedback. I should be more specific:
To get a retirement visa, direct deposits every month are needed (not transfers or regular deposits.) Thus, a couple of years ago, I gave up my USA account and just let it come to Bangkok Bank so I qualify for my visa.
No, you can't have SSA deposits to a regular account. They see it from the USA government and send it back. If you have never had it DD before, you may get away with it a few months.
Since I do not have a USA drivers license or physical address and every "open an account online" in the USA requires these (will not allow passport as ID), I can not open an account until I get there and can walk in to a branch. Since I am going to the Philippines first, 1 or 2 months pay will be stuck here in Thailand. (Foreigners can not open a bank account in the Philippines unless they have residency status.)
SSA also needs time to change accounts. I have had it take more than 30 days.
Here are my 2 options:
* Find a way to access the frozen funds in Thailand based on the fact that I am out of the country so can not go to a branch
* Or, if someone knows a bank in USA that I can open an account with while in Thailand using my USA passport and Thai address (or family USA address) then I am better off... going back to that convenience is worth the extra visa fees of not having DD of SSA