Are there fees if I transfer funds from my investing account out of Betterment?

Yes, this transfer would be subject to an early reward removal fee if you transfer or distribute some or all of your net Qualified Deposits or Betterment Investing Reward to an account that is not an Eligible Account, including internal transfers to a Betterment joint or trust investing account or a Betterment Cash Reserve account, at any time prior to the end of three years after the Reward Date. ACATS transfers are also subject to a separate fee.