CFIf Syntax and Logic

I have a webpage that inserts array values into a database based on the criteria that the value in one of the fields is not equal to zero.  So I have:
YearArray:  2014, 2015, 2016
AmountArray:  100,0,0

The insert will only insert a single record with the 2014 and the 100 into the table.

Now the process has changed and the user wants to be able to insert a record where there is a zero in one of the array positions something like:
YearArray:  2014, 2015, 2016
AmountArray:  0,,

So I am thinking that I would want to test for not equal to "", but I am having difficulty.  Do I need a separate if evaluation or do I want to have a compound evaluation of if not equal to zero OR not equal to ""?  I am not sure of the placement whether I should evaluate for the "" before the 0 or after the 0 evaluation.

Also if the user has this array, how do I ensure that the right position of the array is inserted into the database if the data was:

YearArray:  2014, 2015, 2016
AmountArray:  ,0,

Thank you for any help that you can provide.  I can provide the actual page code if it helps, there is just a lot more to the page that complicates it that I didn't think would help in answering this question.