Not one of my friends who came in on an OA including me had the requirement that a Thai bank account had to be opened with 800,000 baht within three months after arrival, only when doing their first extension of the OA. All of my friends who switched over to the O including me are all well informed and got tired of the BS overpriced useless Thai insurance. I agree with you that it wasn't fair to require those on long term OA's to have to get the insurance they should have been grandfathered in. But that is the only thing I will agree on.