You can use your cPanel username and password to access all folders and files via FTP. However, if you want to create an FTP user account for a specific folder or do not want to allow access to your root files, you can create a separate FTP account.
1. Log in to your cPanel account.
2. In the "Files" section, click on the "FTP Accounts" icon.
3. Under "Add FTP Account" fill in the following details:
Login: In this field, you determine the name to be used for FTP access, for example, "test" (without quotes and spaces).
Password: Enter the new FTP password or generate a new password by clicking the "Password Generator" button.
Directory: Set which directory the new account can access. You can grant access to the entire /public_html folder by typing "public_html," or change the folder path to a different path such as "public_html/test." Then, your FTP user will only have access to the "test" folder. Your FTP user also won't be able to access folders outside of the "public_html/test" folder.
Quota: Specify the usage quota for this user or select "Unlimited."
4. Click the "Create FTP Account" button.
5. Then a message indicating that the account has been created will be displayed.