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What is the purpose of having more than one FTP account?
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multiple accounts were used when there is multiple users set at different level. if you are sole user of your account so i advise to have only one account so you will not mixed up with your passwords.
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So, my question is, will I be able to do this when I only have 1 FTP account.
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if you want to make a subdomain for your test site it will require you to have a new ftp account right? and youre afraid to get mixed up. since youre new site will be vb site set your old ftp account to read access level only. wait for more suggestions.