Basically you'll need to use a format file that maps the fields from your source file to the specific columns in the target table if the number/order of columns isn't exactly the same. This should get you the base 1 to 1 format file for your table for a comma delimited input. You'd need to modify that to match your file to the table.
bcp <table> format nul -f <format file name> -S <server> -T -d <database> -c -t ","
But if you want to avoid balding and grayness, try SSIS instead.