My prefered method is to open a blank white (or whatever color background you want for ur text) image in Photopea and then paste your selected image on top of. position it where you wish the add a couple text boxes in the background color zone. you can also get fancy with the text settings using various fonts, colors, and sizes. the site is basically a free online photoshop i use it for basically everything. after all that simply go to file > export as > (select file type) and click save image. thats the way i do it and it works pretty good let me know what you think!