Howl pays creators on net 90 terms which means your earnings should appear in your bank account approximately 100 days after the month the earnings were accrued. This additional ten days is to allow for transition and clearing times. You can see the status of your payments by navigating to the Earnings section under the Payouts tab in the nav bar, which will indicate when each payment is due.
Howl never takes a cut of your earnings as a fee. Returns are never deducted from your earnings on Howl.