• Load selection for text layer and create a new layer.
  • Choose Soft Brush Tool, select green color and Opacity around 40%. Create spots just like on the example below.

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

  • Apply Color Blending Mode to this layer and Opacity 65%.

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

  • Create a new layer and choose darker color(#766d08) and touch top parts of letters.
  • Apply Multiply Blending mode and Opacity 60% to this layer.

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

  • Create a new layer again and marked area of each dark tip with small dark color #453b06

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

  • Create one more layer and fill selected text area with white color.

  • Apply Soft Light Blending mode to white layer and move it like on the example below.

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

  • Load selection for the original text layer again and keep active white text layer.

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

  • Inverse selection and and clear outside white area(marked on the screen shot).

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

  • You will have similar result:

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

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