An FTP account is used for uploading and managing files on your website. An FTP account is automatically created in cPanel when you 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. Use your cPanel username and password to log into it.
You can create new FTP accounts to give access to other users without giving them your cPanel login credentials. For each additional FTP account created, you can also give each user different levels of access by assigning the user to a specific directory.