An FTP account is used for uploading and managing files on the websites and transfer files online. An FTP account is automatically created in cPanel when user sign up for hosting, create a cPanel, create an addon domain or subdomain or enable anonymous FTP. So, by default, you already have an FTP account in your cPanel. To log into it, you have to use cPanel username and password.
It’s also one of the oldest protocols in use today and is a convenient way to move files around. An FTP server offers access to a directory, with sub-directories. Users connect to these servers with an FTP client, a piece of software that lets you download files from the server, as well as upload files to it.