make a banner

I think without photoshop you cannot make anything. Photoshop is must either you do editing or animation or any thing else.
 
I don't know why you don't use Photoshop, it is not that hard to learn and there are thousands of tutorials on Utube at your fingertips.

Anyway, you can go to the most easy and accessible tool near you: Microsoft Paint, you can make advanced banners with but it will take some skill.

Other ways include hiring a professional graphic designer.
 
Google image search is the best option for free banner images but if you want design banners according to your requirement you should hire a Clipping Path Service Provider Company that can offer you photoshop image masking service, Image Resizing Service
Image Cropping Services at very cost effective rates
 
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