This is very strange! The "Currency" format should always give a result in the form:
if no pennies. So you are getting a result that looks like
$123,892. or just $123,892
Is this correct???
If so, then I suspect that the problem has nothing to do with Excel or Format, but with the Windows default currency representation. To check this go to Control Panel > Regional and Language Options. If the default currency representation displays without cents, click on the Customize button and change it.