what AI didn't tell you, because this is not from your own experience but just a lazy copy pasted response, is that these deposits are in USD! You take your money to the bank, they do convert yout THB to USD with a rate in their favor (you already lose %) and after three months they convert the money back to THB. This means that if the USD tanked you lose money! They are investments in US bonds and involve currency risk! Also, I don't think a non Thai can open these.