Few things in Windows are simple, and that includes the various types of user accounts.
As with Win7, Windows 10 creates three types of accounts by default. But it also includes other account options such as Microsoft vs. local. Here’s what you need to know.
Those three primary accounts include the default, admin-level user account and two hidden accounts: guest and administrator. (If you create new user accounts, Win10 automatically sets them to “standard,” unless you change their status.)
With some restrictions, you can alter and delete the default accounts. But I’ll wager that many Win10 users don’t bother, which could leave them more vulnerable to malware than necessary.
If you need a good overview on creating Win10 accounts, EuroSCUG offers a downloadable PDF. As you probably know, Microsoft really wants you to set up Windows 10 with MS-account credentials. Yes, you can run Win10 with just a “local” account (more on that below), but you lose the automatic connection with services that rely on an online connection — e.g., OneDrive and Outlook.
Regardless of the accounts you modify and create, you need at least two accounts on each Win10 PC: an administrator-level account and a backup account with sufficient privileges to repair the administrator account if it breaks. That backup account could be the hidden administrator account or another account you create.