And 3) no yearly fee to pay for the ATM cards
Yes, forgot about that. Thanks @MJCM Also, no pi$$-farting about with unhelpful bank staff when the card has expired, as described in the OP
I am a big fan of using cardless withdrawal via the banks mobile APP. I didn't renew my Kasikorn & Krung Thai ATM cards when they expired and now use their APPs to withdraw money instead. Obvious advantages of using the APP to get money from the ATM are:
1) No ATM card to lose or be swallowed by the ATM
2) Protection from card skimmer devices.