• Make this layer temporary translucent, to see bottom text layer.
  • Make elliptical selection with Elliptical Marquee Tool. Selected area should cover text shape fully.
  • Go to Filter > Distort > Spherize You may find settings on the screen shot below.

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

  • Apply Color Burn Blending Mode to created layer and opacity 55%. Then load selection for "Banana" text layer(ctrl + click text layer thumbnail) and add Layer Mask. Superfluous areas of texture layer should become invisible.

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

  • You should have similar texture.

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

  • Duplicate "Banana" text layer and place the duplicate above texture layer.
  • Apply Inner Shadow and Pattern layer style effects to created layer. Adjust Fill = 0%.

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

  • Select dark blue areas and erase them.

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

  • You may find this pattern in the preset "Grayscale paper" group of patterns.

Banana 3D text effect, yellow text, fruit text effect in photoshop, free psd file, funny and cute text

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