Banking in Ban Bung, Chonburi

Said to the wife go to your bank Krung Thai and we'll open a joint account. I live here on retirement extensions. With photocopies of everything including the pope's arse, I was asked for a work permit, no have. She makes a phone call then tells us you can, with no atm card access, 2 signatures to withdraw, one to deposit. Sure, so when I'm dead my wife can't get the money..Some may say a good thing.