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账户 (zhànghù) is a noun that refers to an account, such as a bank account, a credit card account, or an online account. It is used to refer to the record of a person's financial transactions. For example, you can say "我的账户 (wǒ de zhànghù) 是用来存钱的" (wǒ de zhànghù shì yòng lái cún qián de), which means "My account is used to save money".
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As far as I know, there is no difference in usage between 账户 (zhànghù) and 帐户 (zhànghù), they refer to the same thing - an account. The only difference is the way they are written, with 账 being the simplified Chinese character and 帐 being the traditional Chinese character.
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