Usually the 4-pin pump headers (e.g., AIO_PUMP) of your motherboard are default at full-speed (depending on the motherboard, some have PWM functions while some are DC only). If you plug in a case fan, it would just run at full speed (at first). If the header has PWM function, and you plugged in a PWM fan, then you can control its speed via current on constrant +12V DC. If the header is only DC (constant speed), plugging in a case fan would only allow you to control the fan's speed via voltage.