Basically, there is only one rule you need to understand about the Banner Creatives. You don't need to like them. The only value of banner creatives is whether your target group will respond or not and this is what counts.
In order to create a good banner creative, we need to explore the market, banner position, and your target audience. Then we can start creating a banner ad. It is not a 15-minute process.
There are lots of banner creating companies all around the Web, maybe more affordable then us, and you can get a masterpieces for small money. The question is - will anybody click on it? Do you need a banner that's beautiful, or you want to sell your products or services?
