RE: Ichigo 14's banner collection
I know you are just beginning, but your text really needs work.
Text is actually one of the hardest things to stick onto a banner. It must be put so that it doesn't distract the viewer from the focal point of the image, but at the same time should be too hard to see and is readable. The font of the text should also match with the "theme" of the banner (so a banner that has a nature-feel to it shouldn't have very a very active font). Also, the font color should be a color that helps make it stand out, but still match the color scheme of the banner and not distract the viewer from the focal point.
In your case, the text doesn't really "fit" into the banner, standing out too much and not matching the theme.