Basically, PSD is a coloring. There are many amazing PSDs out there, which is great for people like me who are not good at coloring their stuff.
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I'm sure that a video tutorial is much better than anything l could write here.
Here are some PSDs l like, all from Deviantart:
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In case anda don't have Photoshop, anda can download it link

Now that anda have Photoshop, we can get started.
First anda need to click File--->New---> width 800, height 100 pixels. Then anda click Ok and anda have a background.

Now anda click File--->Open and anda select a foto anda want to open. Then anda crop and resize it. I usually choose 110 atau 120 height. Now right click on little window and pindah to new window. Now your image is in new window and anda need to drag it to your banner. Then anda use a little panah from the panel on the left and pindah your image where anda want it.

You do...