FTP on Panther. Is it built in or do I still need Fetch?

[Seacrest]

If your ISP supports SFTP, there are two pretty good free SFTP clients in cyberduck and fugu. Cyberduck does non-secure FTP as well.

If you're willing to spend a little, then Transmit is my favorite FTP client.

If you want a Finder-like interface, try NetFinder.

I am not a big fan of Fetch, so I'd avoid that, personally.