1031 Exchange Banking Services

Pain-Free Escrow & Subaccounting

Live Oak provides a simplified and reliable 1031 Exchange banking experience for 1031 accommodators. We offer ZEscrow, a modern escrow and subaccounting service that accommodates a wide range of businesses and special use cases. Move and grow your business faster with innovative cash management tools.


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Dedicated Support Team

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Quick Account Opening

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Convenient Wire Requests

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Competitive Returns


Timely Notifications

1031 Exchange Process

We've broken down the 1031 exchange process into simple steps, along with key dates. Live Oak's experienced team provides a seamless experience throughout the entire transaction.



When you deposit money at Live Oak Bank, you’re helping power small businesses across America. As our nation’s economic engine, small businesses drive job prosperity and boost local economies. We’re proud to contribute to that growth by investing in small business owners across the country. When you bank with Live Oak, you can be proud, too.

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Tommy Cheek

SVP – Business Development
Email Tommy | 760.550.2030

Tommy Cheek joined Live Oak in 2022 as senior vice president of business development. Tommy brings nearly three decades of banking experience to the role, where he is focused on a 1031 exchange specialty deposits program. Along with his commitment to personalized customer service, Tommy is dedicated to building meaningful, long-term relationships with key customers, colleagues and business partners. Tommy is based in San Diego, CA and is a proud member of multiple organizations, including the Federation of Exchange Accomodators.