unfortunately, I cannot think of one that is easy to learn to use. Creating a banner is easy mind you, but the software has a learning curve that can be slow and steep requiring seat time. There are free programs such as GIMP which actually has a create logo button and the like, but once again...learning can take a bit of time. Why not search over in the SmugMug Customizaiton forum for folks talking about that?
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cheers,
I created mine with Art Text 2. I would not say it simple but I think you can figure it out quickly. www.belightsoft.com