How to add Dollar and Cent in separate Column and carry the whole dollar to dollar column?

Remove both calculations from "TOTAL" and "TOTAL CENTS" field, then use this as 'Custom calculation script' of "TOTAL" field:

var cents = 0, dollars = 0;

for(var i = 1; i <= 28; i++) {
 cents += Number(this.getField("Check Cents " + i).valueAsString) || 0;
 dollars += Number(this.getField("Check $ " + i).valueAsString) || 0;}

dollars += Math.floor(cents / 100);
var Rcents = cents % 100;

if (Rcents < 10)
 Rcents = "0" + Rcents;

event.value = dollars;
this.getField("TOTAL CENTS").value = Rcents;