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I added the following pl/sql functions to my rdf and passed it thru the xml data
function XXNS_MICR_STRINGFormula return Char is
l_micr_string := '/'||to_char(:C_CHECK_NUMBER)||'/ &'||:C_ROUTING_NUM||'& '||
you can probally use the concat() function in XMLP and do the same if you don't know how to edit the rdf......
Did you resolve the issue, if fixed please share the answer.
wondering you could use "lpad" and "concat" functions to add 0s infront of check number and then you could concatenate those mean check number, routing number and account number by using xsl xdofx scripting format.
lpad function syntax lpad(string,length,padding value) /* probably you know this*/
hope this give some idea