I keep Alladvantage and DesktopDollars running all the time. They is a waiting list to start getting paid. But you can earn points which enter you in cash contest until they start paying money. An Ad Banner is simply a banner that is displayed at the top or bottom of your screen while you are surfing the web. The banner displays ads while you are using the internet and you get paid for the ads that are displayed.
Websites charge a price for advertisers to display ads on their sites.
These banner programs are a way for the advertisers to bypass having to pay websites to display their ads. Therefore, instead of paying websites they pay the banner company and the banner company can then pay you. The more people that use the banner company then the more they can charge the advertiser. This is very much for real. I wouldn't waste my time building a site if this wasn't for real.