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Good post MrDK.
I'd add to check that any currency you intend to change to baht at a money changers is in perfect condition - I have had currency refused for small tears and other faults.
My personal experience on trying to open a bank account as a tourist (and without having a work permit or other visa) was total failure at several different Banks in the Bang Na area of Bangkok - the smaller banks idea might be worth a try - mine were all large branches and the refusal was firm and clear even with the Thai wife there to help.
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"Heaven holds a sense of wonder...and I wanted to believe..."
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