Thanks for the reply and sorry for the delay: yes it is quite the Catch 22 at this point. Was thinking of applying for just the Tourist Visa extension at Vientiane to give some time to work this out- but if it's possible to apply for a Non-O at Vientiane then that would be preferable.
However, would that require some special reason, such as a letter such as for an Ed. Visa? If the Non-O can be done at Vientiane without a Thai bank statement that would work, but the Chiang Mai IO seemed to think it could all be done at CM as long as I have the 800,000 baht bank statement showing it was deposited from abroad into a Thai bank, hence the Catch 22 because a Thai bank account can't be opened without the Non-O and we can't get the Non-O without the Thai bank account-- how did everyone else solve this situation?
And what is this TM.86/87 application for? Is this required for the Non-O app and for the Thai bank? On the paper sheet the IO provided, it looks like this is the first step to changing the visa to Non-O, and if so then maybe the TM.86 or 87 would be sufficient to open a bank account in CM, and/or to apply for the Non-O in CM and/or Vientiane?
And about the second question flag, I meant to say 800,000 baht, not 'k' as in dollars or pounds. Have saved up the required 800 thousand baht, and for this it seems there are also some different interpretations, with some saying it has to be deposited to a Thai bank 3 months in advance, but the IO said seven days. Well, if anyone has any further experience to add here to this very foggy situation it's most appreciated-