Payment File Structure- double quoting embedded commas

Hi  experts,

Here is my bank payment file delimited with commas.

The format includes just 4 fields.

format->           Header,CompanyName,CompanyID,IsLocal

sample data -> HD,Sample Company CO., LTD,1,NO

But the bank requires to double-quote fields with embedded commas.

I need to double-quote the company name "Sample Company Co., LTD" because it contains a comma.

I don't know how to do that.

Please kindly suggest.

Thanks in advance.

Best Regards,

Fred.