In Boston, as the Golden Age of Piracy comes to a bloody close, Hannah Masury – bound out to service at a waterfront inn since childhood – is ready to take her life into her own hands. When a man is hanged for piracy in the town square and whispers of a treasure in the Caribbean spread, Hannah is forced to flee for her life, disguising herself as a cabin boy in the pitiless crew of the notorious pirate Edward "Ned" Low. To earn the freedom to choose a path for herself, Hannah must hunt down the treasure and change the tides.

Meanwhile, professor Marian Beresford pieces Hannah’s story together in 1930, seeing her own lack of freedom reflected back at her as she watches Hannah's transformation. At the center of Hannah Masury’s account, however, lies a centuries-old mystery that Marian is determined to solve, just as Hannah may have been determined to take it to her grave.

A True Account tells the unforgettable story of two women in different worlds, both shattering the rules of their own society and daring to risk everything to go out on their own account.