I never use graphics programs. I suck.
About 5 years ago I spent 10 hours trying to produce one set of simple buttons. All I had to do was pick a colour and a font and type in the words.
Did all that - they looked like something next door's dog had dropped out of his rear end.
I am completely "non creative garbage". Really!
If you are like me and just want a quick foolproof banner, then I've found
AdDesigner.com - Design and download free banners in seconds! is great. Even I produced a banner in 2 minutes flat that I was more than happy with.
Yes - it is free.
Yes - it does have their name in the corner.
Yes - any fool can use this
Yes - they have a wide choice of good templates
All you have to do is type in the words you want.