Me Trying to help:
I don't think a banner maker website is what you're really looking for if you want any of the effects you've seen used around here.
If you want to do that I would suggest cracking open GIMP and fiddling around with it.
Just don't overwrite any original image files and you won't lose anything for your experimentaion.
Alot of us started with tuts (tutorials) to learn the basics of your program of choice. I personally use GIMP.
When I look for tutorials I tend to search on Deviant Art, but there are many people here who caould give you a text based tutorial.
I like tutorials with pictures because I find them much easier to follow.
If a tutorial says to use specific settings, you don't need to use those numbers, change things around to make the style your own.
You never need to follow the tuts to the letter to get cool effects.
http://browse.devian...;q=Gimp+sig+tutThis is a link to a search for GIMP tutorials on DA.
About the Tag:
All it is is a render on a black background with text, while Gohan looks cool on a black background, nothing is happening. It's very flat.