Agreed. I have always used the 65K a month transfer to meet the income requirement. But I use a agency as they keep up with any changing nuances at CM Immigration. As it would cost me 200 baht, plus 100 baht for the required bank statements and the agency costs 500 baht for this same service ... well, their charge of 200 baht more is a value ... handle it, handle it. Of course, they also do my 90 day reports, extension of Stay renewal and the associated O-A required insurance (hope to change visa in the future.