There was a time when CuteFTP was the name that immediately came to mind when we needed an FTP client utility. Somehow, for my current project, I decided to go for other available software out there and I googled my way into Filezilla, an open-source software. Using it is a cinch: just input the host name, your username, and your password. And having satisfied all three, you go direct to the FTP site and a view of your local files. Pretty straightforward as far as FTP clients go. But it's free, and it's open source!
Filezilla also has a server version! Check it out if ever you are in need of FTP power.