DrJack54

The OP mentioned plan to be located Jomitien. (initially) Another poster mentioned Maneerat. That agent uses Jomitien immigration and stamps issued there. You also need attend.

Off topic post regarding legality of using agent removed.

That is incorrect. You can change to using own funds by exiting Thailand and reenter visa exempt and "start over" new non O and subsequent 12 month extension

Many good agents in Pattaya. The agents dealing with Jomitien will open a bank account with BBL.

Most agents (not all) require you to use BBL account. Where do you plan to be located is part of the options

You are not missing anything. Opportunity cost of the 800k vs annual cost of agent. As the saying goes "up to you" OP where are you located is another consideration. Also good point @zzzzz made concerning what happens to funds in bank upon demise. Also as folk get older and mobility perhaps an issue then adds to Pro side of agent. Predictable posts concerning legality of using an agent will be removed.

You are changing what your extension is based on Good advice in first couple of posts in this thread https://aseannow.com/topic/1304886-non-b-to-non-o-retirement/

You have correct answers posted already. Do you have a bank account? If so which bank. Where will you be located in Thailand?

That is a given. You were given a 90 day permission of stay upon entry. You can then apply for 12 months extension 30 days prior to expiry You stated .... "Recieved my retiremennt visa no problem Septeember 26th" Actually seems you received a 12 month extension based on retirement

The OP stated that he is located in Bangkok. Best option is to apply for extension that will be rejected and stamp (posted earlier in thread) will show 7 days limit to exit Thailand. No negative impact from that stamp unlike an overstay stamp. Anyone needing more that the 7 days "get out of dodge" stamp can do border bounce. Visa run companies do that from Bangkok

OP, the 12 month extension requirements from a Non O-A and Non O are almost the same apart from the insurance requirement. You may wish to kill off the Non O-A. Here is a thread that outlines that process.... https://aseannow.com/topic/1304442-non-o-a-extension-or-better-options/

Excellent summary @oldcpu

A flame post along with replies has been removed

You are being too kind. If the guy you quoted had remotely read the posts in this thread would be aware of this nonsense option. Suggest he use agent if all too difficult for him

Attend immigration office and apply for extension. Simple.

Thread has morphed into banking finance discussion. OP question answered in first few posts. Thread closed

Ok enough. 3 posts of compliments. Don't use the online service if you find it an issue. You do realize that you still need to attend immigration. You mention 32 page application. Marriage? I find it simple process. Apply for extension at immigration yourself OR use agent to do the whole process.

Baiting post removed

It would not. It's a common thing and nothing to do with overstay. As a result will not affect things such as PE Visa application etc

After 9 years you should use correct description of your status in Thailand. Your non O is expired long ago. That visa provided a 90 day permission of stay (permit). Since then you have been extending your permission of stay annually. NOT your visa..

Agree. I posted the stamp that will be placed in pp earlier Has nothing to do with overstay and best option. If he needed more than 7 days a border bounce would be plan B

Most folk would have a "MAIN" debit card. True many (myself included) have another "secondary" debit can with another bank. I have just had my main bank debit card locked due to fraud. My back up card with another bank has only couple of K aud in it.

There is always a fee for transfers from your home country to your Thai bank account. Popular option is WISE even though using mid market rate they have steep fee for large amounts. Some of the posts have been about chump change ATM withdrawals See how helpful that is for eg buying a condo and needing bank cheques for settlement etc etc

As I pointed out earlier in this thread or another....just this weekend I had a fraud transaction on my Debit card Oz account and later Saturday an attempt at supermarket transaction Sydney. Surprising as card here with me in Bangkok and last trip to Oz early this year. I locked the card and also was contacted by Westpac regarding second attempted second transaction. "Suspicious activity" They need now issue new card. That doesn't take long perhaps a week. While sister can take pic both sides of new card showing ccv.... Fine for booking hotels etc I will not have physical card for a period.

I'm well aware of the facts. I'm aware of the options to live in Thailand without a Thai bank account as per the chap mentioned in the OP. I'm also aware that's it's a silly option to not have a Thai bank account for ongoing living in Thailand. Possible to not have a Thai bank account: Yes Stupid option: Yes