 Account approval, qualifications, and other requirements apply. When qualifications are not met, the APY is .05%, and ATM withdrawal fees are not refunded. Contact a bank representative for additional information and details. Member FDIC. Hey, everybody. This is Bob Hughes, and I want to talk to you about Erkins Water. I've known Don and Nick for quite a while now, and as you know, they put a water softener in our house here in St. Cloud.