To obtain tourist visa at Saigon consulate it's an overnight process.
Drop application in AM and pick up next day PM.
You don't need to stay a few weeks in Vietnam, however great joint and min few days a good plan.
You would only go to Saigon if you wanted a SETV.
Border bounce ...just go to border and exit reenter visa exempt.
You will be stamped in for 30 days with visa exempt entry and can extend by 30.
As for covid extension ignore CM immigration....just another office with big boy pants.
Use an agent. 5-6k including application fee.
Announcement re Covid extensions should be close to July 25
The "big issues" would be for anyone using/accessing your bank account when you are dead.
Second bit....got zero idea why your wife needed to be with you to open an account.
Can only think you did not have a non O at that time.
The combination method is an option.
Some immigration offices don't like it and give grief or refuse.
Suggest you post your office to obtain first hand info.
First up ..keep an eye on what's happening with covid extensions post July 25.
You could do a border bounce from CM and enter visa exempt.
With a 30 day extension that gives 60 days.
You could repeat.
You could obtain a SETV at neighbouring consulate.
Vientiane or even Saigon to name couple.
No such thing as defacto in Thailand re legal entitlement.
Personally I have same Thai partner for 10 years and she would not have any right to the funds I keep in bank for extensions.
Just another PITA associated with living in this wonderful country.
Another option not mentioned so far is to use agent to avoid funds in bank.
Edit: sorry Andrew missed point of your post.
I have approached my banks about my partner (not wife) being silent on my account.
I got the "you need marry"
OP...if you Google ..."exactly your title heading" and tack on the end AseanNow....
Your AseanNow now threads will be displayed.
Work your way through those threads and you can make your call.
What is you basis of such a strange post.
I use money in bank method and have a Will to pass that to Thai partner.
Don't post such throw away lines without basic facts.
Poor assumption.
Also seems you are not aware of what's required for him to do a TM30.
Suggest he ask his accommodation to file a TM30 and give him a screenshot of online report.
It will eventually pass to your wife.
A Will is recommended.
Upon your death your embassy is notified.
Also bank at some point.
This thread covered in other forums.
Try tacking on "AseanNow" at end of Google search.
eg "extension retirement report CW AseanNow".
It will list threads on AseanNow now concerning the topic you want info about..
The OP is about non O retirement.
NOT non O-A.
My reply was to someone banging on about the future possibility of insurance becoming a requirement for extensions to non O retirement.
Not slightest bit interested in insurance requirements for non O-A.
That pretty much says it all.
My guess would be that Pattaya has abnormally high number of folk using agents compared to the rest of Thailand.
Overall may guess would be way way less than 50% of expats use agents.
What you are asking about is referred to as the combo method (combination of income and funds in the bank)
Indeed that is an option.
It must be pointed out that some immigration offices don't accept it.
Think it's best to indicate which immigration office you would be dealing with for specific info.
What's your point.
Yes Malaysian folk do not have that limit as one example.
Do I need qualify every post.
The OP came on tourist visa.
My guess he does have the limitation I indicated..
Perhaps he can clarify.
Indeed.
Google "onwardflight.com" or "rent a flight"
Approx 15usd.
Or throw away ticket.
It would not be asked at Thai immigration however may be asked by airline at departure.