Trident Bank in Atlanta would not be the first start-up bank to target doctors and other health-care professionals, but when it opens its doors early next year it could be the only one offering a payments tool that would give them easy access to patients' insurance data.

The service, one that experts say is rarely if ever offered through banks, would let clinics look up patient information from hundreds of insurers through a single Web portal. Trident organizers say it is a logical service for banks, and they are counting on it to give their bank a competitive edge and generate steady fee income.

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