Tap water can vary widely in its contents, even within a single city. Water supply systems often get water from multiple sources. Where I live, we get water from Hetch Hetchy part of the year, and well water during other periods. The difference is very noticeable. I'd use RO at least, even for a fish-only tank, because some anti-corrosives are very toxic. You might be able to get away with a water treatment product, but I wouldn't trust the activated carbon bed to produce safe water, especially if the water supply is using chloramine.
This article might help:
http://reefkeeping.com/issues/2005-05/rhf/index.htm