The public_html folder can be accessed either by FTP or via 'File Manager' under 'Site Management' in cPanel.
To access your hosting account via FTP connect to www.YOURDOMAIN.com
Be sure to create an index file for your home page, this can be index.htm, index.html, index.php, etc.
Please note our Linux servers are case sensitive so index.htm and Index.htm are two separate files. Index.htm will not be recognized as the default first page. It must be index.htm (.html, .php, etc.) in lowercase.