That's exactly what I had to do - use UNION.
The first select statement selected the fieldnames - agencyName, check, Cash
The second select after UNION selected the 'Total' as first column, then sum(secondcolumn) as CheckTotal, sum(TotalColumn) as CashTotal
Now the result looks more like this:
Agency CheckTotal CashTotal
Giver1 12.00 0.00
Giver2 0.00 35.00
Giver3 18.00 0.00
Giver4 0.00 10.00
Total 30.00 45.00
This is much more acceptable.
I am still looking for a way to get GrandTotal where 30+45=70 as grandtotal.
But as at now, I can present this tomorrow and feel much better than I did this morning.