Good explanation. Let me add a bit. I used to use Bangkok Bank counter withdrawals exclusively to get cash. They recently stopped, saying their machines would no longer accept debit withdrawals, and they attempted to do one and it failed. I searched other banks and only Krungsri(sp?), the yellow one, would do the counter withdrawal, but limited to 15k per day.
The old line used by the banks was that your card needed to be embossed or they couldn't accept it. Now it's cannot do with debit card. All silly games to make you use the ATM and pay the exorbitant associated fees.
I've opened an account at K-Bank, the green one, with much less hassle than opening the bkk bank ones. I'll be using wise for foreign money and moving the money currently in bkk bank there also.