We set up an account through Shopify. I understand I have an account and card but how do I transfer my money to my bank account?
If you are referring to the Shopify Payments, the payout schedule varies on the weekly or monthly intervals. The funds are usually transferred to the bank account which you have set up during Shopify Payment registration.
Take a look at this guide on the Shopify Payouts
https://help.shopify.com/en/manual/payments/shopify-payments/getting-paid-with-shopify-payments