Tim responded to my question on csv  format. As explained earlier,
I am running an unattended scheduled task to download daily csv files.
In order to successfully import  the files to my accounting application,
I need to reformat it. I am already reformatting the file  thru the
"import external" file task and this is working fine. What I would like
to do is to delete the rows that have a zero value (wire transfers will
not produce a check number). These rows need to be deleted prior to
importing to eliminate the possibility of getting an error report.