i use Bangkok bank and have never had a problem with my account in the 6 years i have had it,i like their internet banking,simple safe and secure.
as for a visa card,i have been told you need to have had a work permit for 2 years before you can apply.
you get a visa debit card instantly,dont get the chip and pin one just yet thou,very limited on the ATM'S you can use at the moment and only Bangkok bank ATM'S
i set up a Thai pay pal account linked to one of my Bangkok bank accounts,no problems paying and recieving money into and out of my bank with that.
hope this is of some use to you