The difference here is that the anonymous account created resides only within the Serv-U program, as do all other accounts you will create for accessing this FTP site. Separating Windows user accounts from the accounts you create to access the FTP site adds a layer of security. If you do not choose to use anonymous access, you will have to create user accounts within Serv-U with permission to access you site. More on this in a moment...

If you elected to allow anonymous access, you will be prompted for a directory, which will serve as the 'home base' for anonymous users. When they connect, they will see the directory you specify here first.

Once you enter the directory you will be asked if you wish to limit anonymous users to this directory only, or allow them to browse through to other directories. This brings up the second major difference between Serv-U along with most other third-party FTP servers and the Windows implementation of FTP: you are not limited to a single directory.

Of course, you may want to be limited to a single directory, as it makes keeping a handle on things much simpler, but we digress. For the time being, choose to lock anonymous users into the directory you specified.

You will now be prompted to create 'named accounts' which are user accounts with passwords analogous to those seen in Windows, except that these are used only for FTP access within Serv-U.

For the time being, create a named account and password of your choice and give that user a different initial directory than the one you previously assigned to anonymous users. When prompted, choose not to lock the named user into his home directory. The final question the setup wizard will ask is whether you wish to give the user you just created any administrative privileges, allowing him to configure the FTP site remotely. We will answer 'no' to this one for a simple reason. Remote Access is disabled in the 'personal' edition of Serv-U.