FTP is using when you want to provide access to the site content only. You can create such FTP account directly in Cpanel, under Files -> FTP accounts, where having a few options available.
Option 1: Create FTP account with providing access to all data/folders within the account.
Option 2: Create FTP account with providing access to the main site only within the account.
Option 3: Create FTP account with providing access to separate folder within the account.
