I have SSH working fine on my Mac. I created a new "standard" account but I can't ssh in with it? Why is this and how do I remedy it?
Most likely you have not enabled ssh for all users in the sharing preference pane.
Either go add the user you created or tick "Allow access for: All Users"
Go to System Preferences > Sharing and make sure "Remote Login" is checked. Under "Remote login", make sure that the "Allow access for" section either has "all users" checked, or has the username of the user in question added to the "only these users" box.