fine until they catch you on overstay. Anyway, they take all your bio metrics at the airport when you enter. If you have a mobile they know where you are.
I eventually got a bb account on my 4th visit to the same main branch. They tried to sell me insurance fir around 7000 baht but I showed them my certificate I already had. They relented.
the rules are not difficult to interpret, it just takes a little patience. You do not have to use an agent if you can meet the Visa requirements. Maybe you can't afford it.
to bevhonestvi cant realy remember all of them. I showed them my Thai driving license which has my address on it but I dont think I provided any house books or lease agreement. Certainly not a cert of residence or medical.
it just depends where you go as all branches make their own rules and even different people at the same branch will do different things. I was insistent and eventually they said OK.
they try to make it a condition of opening an account to buy their health insurance. I showed them my current health insurancec certificate and said I did not need theirs. In the end they gave up.