I want to check each field (acc_tot_1, ...., acc_tot_?) to make sure it is not blank. If it is I want to give them an alert and take them back to the missing text box...thing is I don't know how many acc_tot_? fields there are, I've created an expandable account area.

my validation code (part of it)
---------------------------<snip>----------------------------------
else if (document.RFO.arow.value != 1) {
  document.RFO.acc_tot_1.disabled=false;
  for(i=document.RFO.arow.value; i > 1 ; i--){
    if (''==document.RFO.elements['acc_tot_' + i].value){
      alert("Need Amount For Each Account Used");
      document.RFO.elements['acc_tot_' + i].focus();
    }
    else{
       setCookie();
       document.RFO.submit();
    }
  }
}
----------------------------<snip>--------------------------------

Say there are three acc_tot_ fields
I do not check acc_tot_1 (won't get into why)
acc_tot_2 is checked...and is blank so the user gets an alert and the cursor goes to the blank text box.
acc_tot_3 is checked and because it is not blank the else statement submits the form.

I don't know what to do here...if I don't have the else statement, the document does not get submitted if there are more than 1 acc_tot field.

your code is checking acc_tot_3 and then acc_tot_2, which is not the order that you describe in your scenario. Is that part of your problem?

Also, you're not exiting your for() statement, so as soon as you hit a non-blank acc_tot_X you're going to submit, and your user will never have had a chance to correct the blank one(s).

You need to loop through all your fields and set a flag if one or more is blank, then submit or not based on the value of the flag, rather than including your submit inside the loop in the else clause.