Two and six hundred eighty-five thousandths.
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2.685 is a fraction. It is a fraction in decimal form rather than in the form of a ratio. However, that does not stop it being a fraction. Its rational equivalent is 2685/1000 which can be simplified. But simplification means that you lose information about the precision of the fraction.
You can write 5.24 in word form as five and twenty-four hundredths
You can write 14.12 in word form as fourteen and twelve hundredths
91 in word form is ninety-one.
8,000,000 in word form is eight million.