FTP won't connect

The usual causes: wrong host, username, encryption or a blocked IP.

"Login incorrect": use the full FTP username (for example user@example.com) and its own password, not your client-area password.
Connection timed out: check the host, and use explicit FTP over TLS on port 21. Try passive mode (FileZilla uses it by default).
Certificate warning on first connect: that's normal for FTP over TLS; check the server name and accept it.
Worked before, now blocked? Too many failed attempts may have blocked your IP. See I can't reach my site from my office.

cPanel → FTP Accounts → Configure FTP Client shows the exact settings for each account. See Connecting with FTP.

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