Re: Thai immigration laws are complicated (PM Mailbag Friday, 19 September 2014) – Bank letters are no longer required. A bank account is if you are fortunate to be an American. No particular bank balance. Just the 1900 baht fee to renew for a year and 1600 baht to the embassy. Why anyone would risk fraud charges during a period like this one in Thailand for this “instant loan” buggers common sense! If you don’t have the dosh you don’t get the posh. So get a student visa and learn incomprehensible Thai… for years, but you won’t end up in jail. You have no inherent right to be here if there is a possibility of your becoming a burden to a poor country.