First, I think you've got a mistake in your post.
That 230.00 is missing a trailing 0 (and the date has an extra leading 0).
I think I'd do the special formatting right before I built that long string.
But I think I'd format the cells to match what was required--just so things
matched.
but if you have real numbers in the Account, check#, amount fields and a real
date in the date field, I'd just build my own string:
My formula would look like this with the data in A1

1,
=TEXT(A1,REPT("0",11)) & TEXT(B1,REPT("0",6))
&TEXT(C1*100,REPT("0",12)) & TEXT(D1,"mmddyy")
I think you'll have to adjust the number of 0's in each field to match your
spec.
Build your working formula and copy it down your helper column.
Then copy that column and paste into Notepad, save your text file from there and
send that.
000104330000005190000000023000702104
Account Check#Amount Date