if you want to cash out steem, it is same procedure as with SBD,

What if I want to cash out the value of my account?

you can't cash out the value of your account, it is the over all total of your holdings with steem, steem power and SBD.

and yes, it is not time for withdrawing steemit earnings, I just made this so that I will point to this post when somebody ask me how to cash out steemit earnings.