To send Apple Cash to a bank account, follow these steps:

1. Open the Wallet app on your iPhone.
2. Tap your Apple Cash card.
3. Tap the More button (three dots) and select "Transfer to Bank."
4. Enter the amount you want to transfer and tap Next.
5. Choose your transfer speed:
   • Instant Transfer (1-2 business hours) with a 1.5% fee.
   • Standard Transfer (1-3 business days), free of charge.
6. If you haven't linked a bank account yet, add one by entering your bank's routing number and account number.
7. Confirm the transfer details and authenticate using Face ID, Touch ID, or your passcode.
8. Complete the transfer by tapping "Transfer."

The money will either transfer instantly (with a fee) or within 1 to 3 business days for the free option. This process requires having the latest iOS version and a linked bank account in your Apple Cash settings.