To split a string, do something like this:
string myString = "BankID|ExtRef|SeqNum|AC|CurCod|ValDate|OpenBal|ValDate|TrxtRef|TrxType|DC|CashVal|Description|CloseBal|Note"
string[] parts = myString.Split('|');
At this point, your string is split into the various parts that are separated by the '|' character. What does PadLeft have to do with what you apparently want to do?