 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. Talking with Nick Erkins, Erkins Water. Nick, great to see you, sir. Hey, you too, Bob. Appreciate it. If folks have never had what is referred to as soft water, they don't know what they're missing, do they? Sometimes people can get a little confused by soft water because it will feel very soft.