Originally Posted by go4wealth

This free tool is great if you want a simple and easy way to create headers and banners. They have pro version but the only difference is in the number of pre-installed headers. However creating them from scratch is a snap - it is so easy to use that that you can start using it in minutes.

I have been using it for a few years. And for Free it is one of the best values on line
Try it you will like it

Here are a list of features from there website
Free Header Graphics Software | XHeader

Create headers from scratch or use the built in templates
500 extra header styles in the registered (free) version
Quick and easy header selection from category listings
Size of each header listed in Template Selector
Auto-resize headers to fit your specific needs
Optimization in-built for Quality & file size
Layering - move items in front of & behind other items
Save your design as a .XHF file & reopen it in the future
Preview your designs in your default browser
Change background color of main screen
Stay up-to-date with automatic version checker
Detailed help manual containing step-by-step instructions
Video tutorial
Create shapes such as squares, rectangles, ovals, circles
Add transparency effects to shapes
Add your own graphics, logos, etc
Select a transparent background color for imported image
Add and edit text elements
Add transparency effects to text
Add special text effects: glow, emboss, chisel, & outline
Add drop shadows to text
Adjust horizontal drop shadow offset of text
Adjust vertical drop shadow offset of text
Powerful color controls for special effects