I know this great article that explains step by step how to make a Fanpop banner. Click
link to read it. The programs I recommend are
Photoshop, Gimp and PhotoScape. These are the ones I use a lot, but I don't think Photoshop is free, so in case you want to just download the program, I recommend PhotoScape and Gimp, they're really good and Gimp is very much like Photoshop anyway.
link is the link to Gimp, and
link is the link to PhotoScape. They're not that hard to use, and you can even make cool effects with them. There must be a lot of tutorials to these programs online, just in case you don't know how to use them. I also have used Paint.net and it's good too, I just haven't used it in a while and the program out of these that is much more simple is PhotoScape, so I think maybe you should try that one first. I hope this helped. :)