If you set up a subdomain, say, test.yourdomain.com --  your files are stored in public_html/text.
It looks just like an ordinary folder, but when you visit test.yourdomain.com, it will extract files from that folder.
 

Accessing your subdomain -
After you have uploaded your site to your subdomain, you can then access that site in 2 ways -
(1). You can access that site via yourdomain.com/test or
(2). test.yourdomain.com.
NOTE: You CANNOT access your subdomain via www.me.domain.com. Here the "www" is actually a type of subdomain in itself. So remember to setup all links to subdomains as yourdomain.com/me or me.yourdomain.com.
Uploading to a subdomain ..../test, will have the same Username and Password as your main site.

 

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Subdomainsn and FTP Accounts:

This article will tell you how to create a subdomain and corresponding FTP user that only has access to that subdomain. This article assumes that your are using the Xskin cPanel theme. You will need to login to your cPanel.

You get to your cPanel by going to
http://www.yourdomain.com/cpanel/
-where yourdomain is the name of your domain
-where tld is your top level domain such as .com, .net, .org, etc.

Once there, you will be asked for a username and a password. Login with your cPanel username and password.

Once logged in, goto FTP Manager, first icon, second row. Then goto FTP Accounts. Click Add Account. Enter the Login and Password you wish for the subdomain. Note that the Login and the name of the subdomain must be the same. Click Create. Click Go Back. Note that the account has been created. Click Go Back twice. You should now be at the main page.

Now goto SubDomains, 3rd row, first icon. You should see one blank box. Enter the Login name you used earlier in the process for creating the FTP account and then click add. Note that this step may take a minute or more to complete. This is normal. Click Go Back. Click Logout, upper right hand corner.

Now the subdomain may be viewed at
http://loginname.yourdomain.tld

-where loginname is the Login name you used earlier in the process for creating the FTP account

-where yourdomain is the name of your domain

-where tld is your top level domain such as .com, .net, .org, etc.

The subdomain user logs in with the following

Host = loginname.yourdomain.tld
User = email
Pass = password you specified when creating the ftp account.

 

 

Now after you have successfully created your subdomain via your Control Panel, you must upload to that directory. If you created the subdomain of me.domain.com, then the directory of me lives at yourdomain.com/me. You upload to yourdomain.com/me. Don't upload to me.yourdomain.com.