Tod, I got my first retirement extension of visa last year after working here legally for 10 years. This is the first time I am renewing the retirement extension. As I posted earlier, I got it last year in Bangkok but subsequently moved to Surin. I spend a lot of time in Pattaya for my wife's work so I have used my Surin address but did all my 90 day reports in Pattaya. I want to avoid driving back to Surin to do this so I want to try and get my visa extension in Pattaya.
Social Security deposits my monthly funds into a 'direct deposit' account in the US and it is tranferred to Thailand the next day. You cannot withdraw money directly from this type of account and must come into a branch and transfer the money into a savings account, then you can use your ATM or make regular withdrawals, transfers etc.
I know you are not supposed to need the bank letter or any of the bank statements with the embassy letter but I am just trying to cover all bases.