Fifteen years ago, this wouldn't have been a problem. Fifteen years ago, every interaction I had with my bank here in Thailand was fast, efficient and a sheer delight. I walk into the bank, there is a minimal line if any at all, and I'm on my way in minutes.
Today the banks in Thailand look like DMVs. And the stress of these new kinds of regulations only multiplies with the length of the line you're standing and the fear that you'll have to stand in it again tomorrow because you missed the new X, Y or Z requirement.