In this snippet:

sqlcmd = "Create table #Eft_Transfer( " & vbCrLf _

& " EFT_No varchar(20), null , " & vbCrLf _

& " Effective_Date datetime , " & vbCrLf _

& " Service_Code Varchar(10) , " & vbCrLf _

& " Reference_Number Varchar(30)) " & vbCrLf

you have an extra comma between the "EFT_No varchar(20)" and "null" and that might create unexpected results. That might just have been an error in posting though!