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Question to DrJack54, please. You said Saturday 01:49pm 'CW likes to see activity on day of application.' Please clarify for me that that relates to Savings account and not Fixed Deposit with 800k on deposit. In which case activity that day is irrelevant. Thanks...

My 800,000 thb is parked in FD at SCB., has been for two years now. Previously had to use the Savings account route which necessitated providing CW with a certificate/statement showing minimum 800,000 dated that day and supported by a passbook showing exactly the same amount, last transaction also dated that day. Familiar process for many retirees, involving adding and subtracting a small sum in order to align the two crucial documents. My question is this: you're not able to align the passbook and statement in the same way with FD accounts, unless I'm missing something, due to the complexities of tax and interest with FD. This had me bothered last Friday Jan 5 when I paid CW my annual visit. So, my statement, dated Jan 5, showed my FD savings up to Jan 4, last full working day. My passbook showed the same amount, last entry June 10. This process would not have been accepted with a Savings account. But CW accepted it, but it was then 6pm on a Friday. Can anybody tell me if I can now count on this format in future years, for though this tale is unforgivably anal and tedious, such details determine the health of our nervous systems in their annual joust with the mandarins of CW. Thanks.

Unless you're Thingamabob, apparently, with 40 years' experience and familiarity behind you.

Thingamabob: "I get a bank letter and passbook update from SCB the day before my annual visit to CW, most recently last month." My understanding is the bank letters are valid for 7 days. Which is why, while I was able to tally the Savings account balance on the day, my FD account balance read 3 days old. This seems the only reason why IO made an objection and now I subscribe to the view that CW require visit and statements to tally on the day. This does not allow for the idiosyncracies of individual officers of course but no sense in anticipating them.

Thanks for responses, it seems the non-alignment of the FD statement with the date of visit - in my case - is the sticking point. Which means several alternative courses of action: change bank, change FD account, use SCB at Big C Chaengwattana and take longer about it. Appreciate your thoughts, it's a miserable day anyway, 365 days away, I'm happy to say.

No problem with TaoNow's point, interest should now take me over the ThB 800,000 threshhold. But that wouldn't solve the problem of combining visit with dated statement.

Yes, both accounts with SCB. Is it that I can show Savings a/c balance correct on the day of attending, but the FD account balance was 3 days old, the day of the bank letter. Is that it? There's no SCB branch at IO any longer.

Just returned from Chaengwattana with approved visa extension/retirement. I've been holding ThB 700,000 plus in a Fixed Deposit account for several years now. The balance, which has always crept above the necessary ThB 100,000 level, I've kept in an SCB Savings account. On leaving today, the head official (I guess) advised me that they would accept this format this time but would not permit it next year. Regrettably, I was too flustered (and relieved) to pursue the point. Was she objecting to the Fixed Deposit account and its tabulation? Anybody any ideas? How can you check or find clarification?