Because your fan is connected to the front of the engine versus an electric cooling fan that has a on/off switch the fan in your Explorer is always running to some degree. You have a "fan clutch" that will increase or decrease the speed of the cooling fan based on engine temperature. The hotter your engine is the faster the fan clutch allows the cooling fan to run and vice versa when the engine is cool. So it should not be running fast when you first start your car but it will still be running.
Now when you turn your A/C on your A/C clutch should kick in and start cycling your A/C pump, that might be the noise you are assuming is the fan. If you can locate your A/C pump on your belt accessories, on the front of the pump should be 4 bolts that are stationary when the A/C is turned off. When you turn the A/C on to Max AC and then turn you interior fan to maximum the A/C clutch should engage and those 4 bolts on the front of that pulley will now be spinning along with the pulley. Watch the front of that pulley to see if those bolts start spinning and then stop spinning and then start back up again. If your AC system is turned to high and your refrigerant is full then that AC clutch shouldn't stop running, if it does start and stop over a short period of time it means your refrigerant is low. You can buy a can of R-134a refrigerant plus the adapter from Walmart for like $18. The adapter has a gauge on it to let you know if your refrigerant is at a reasonable level. It's not extremely accurate but it will tell you if you're running low.