Free Banner Makers

i want to make a custom banner for a game it doesnt matter about the code because im going to upload it to photobucket and get the code from there i already have the picture and i know what i want it to say but what are some free websites to go do or some freeware i can use to put the text on the image so i can upload it to photobucket???

sry i didnt have any periods in there hopefully u can uderstand