Also, you only have one join.  The join condition has three criteria, but it is still only one join.

Drew

Combining operands with the AND operator is commutative.  That is, it does not matter which order the operands are combined.

Drew

This version only needs to read the table once.

;
WITH Data_Smear AS
(
    SELECT *,
        STUFF(MIN(CAST(Id AS BINARY(5)) + CAST(NULLIF(MyAcctNumber, '') AS BINARY(20))) OVER(ORDER BY Id...

I use plural, because the table represents a set of objects, not a single object.

And that also saves me the grief of JC telling me that I need...