Same thing happen to me only it was Krungthai ( Blue bank) Bank because they wouldn't allow a joint names ATM card, that was a few years back. I had that joint account with debit card for more then 20 yrs. We closed three fix accounts which each had 1,000,000.00 Baht. Open new accounts two in Goverment Bank ( Pink) fix accounts each 1 Mil Baht and one account joint account wife name first and debit card. We both kept our old Krungthai, but veay little money in either. My account with debit card is used for small purchase only I keep betweet 30,000 - 20,000 in it Wife receives her old age pention in her account., has used just once to purchace a new kitchen range.
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