If you prefer not to use Photoshop or handle RAR files, several web-based tools offer vast libraries of customizable templates: YouTube Banner Maker With Awesome Layouts - Canva

: Features a wide variety of sets, including corporate, gaming, and seasonal themes, available in PSD format for creative promoters.

Many websites offer bundles of templates that are often delivered in compressed folders for easy downloading and organization.

: Provides over 31 professional YouTube banner templates, including specific themes like gaming, technology, and business, available for free download.

: A platform where designers often share "Freebie" packs of banner templates. These are frequently hosted on external links as RAR or ZIP files containing multiple variations. Key Technical Specifications for YouTube Banners

: Specializes in high-quality PSD templates. When you select a design, it typically downloads as a ZIP archive (similar to RAR) which contains the Photoshop file ready for editing.