I just noticed this photo editing site that actually looks quite functional. I have add-block on so I don't know how heavily advertised it is, but it really does look like a photoshop program right in your browser:
Nice. I made a new banner with it.. its not pretty as its suppose to be because the text is compressed. I forgot the 500px limit and made mine 620 wide. So the effects on my screen name are jacked and I already closed out the layered version.