add new user to linux
useradd joe
or
adduser joe
add password for that user
passwd joe
add password for the user, but for same (it can be the same as before)
smbpasswd -a joe
fstab
//IPADdRESS/directory /mnt/whatever cifs credentials=/home/user/file 0 0
command
mount -t cifs -o credentials=/home/user/file //IPADDRESS/directory /mnt/whatever