I have 2 accounts, Kasikorn and Krung Thai. No residency certificate required when opening an account, only name of hotel and show of passport. A debit card is available at time of opening, you just choose a pin code and type it two times on a keyboard that resembles calculator. If you have sufficient funds on your account you can also get a Visa with insurance, I may opt for that next time. I was approached by the manager ate the Krung Thai branch in Phun Phin regarding this possibility. Not sure what kind of balance is required though, but I think I had about 200K baht on my account that day. withdrawal in Chonburi area is free, in othere locations there is often a 15 baht fee regardless of the amount. My debit card permits withdrawals of max 50k per day, but this can be raised to 100K per day. Hope this is of use.