yes you can upload to your site without using one, to access a ftp you need a ftp client, this is a software package that allows you to access ftp servers, well known ftp clients are smartftp, cuteftp, which i both happen to use. ftp does allow you to transfer files from your pc to any ftp sever and download things from any ftp server, but alot need passwords to access as there private, your site will have a ftp account which you can edit your directorys and files it looks exactly like the file manager, i find it a quicker way of instead of loadin file manager using control panel, if you have a x0hosting account, to find out your sites ftp go on control panel click ftp manager, then ftp accounts and your ftp should be ftp@your username.x10hosting.com. to access this ftp open your ftp client, then type in that 'url' into a address bar which the software should have, type in your password and username you were given for your website account then use this instead of file manager in control panel. fr more help i would have to know what ftp client you are using