My entry for the Kick Flip for a Cause contest. Went for a punk-ish color scheme. I know it looks kinda bright but that why I chose Pierce the Veil since they had a bunch of happy tuned songs, more than those of the other 3 bands.
If you open the PSD file, open up a new layer on top of it and right click the new layer. I drop down menu will pop out and you can select "Clip image to layer" or something. Try googling "clipping mask" or something. Lots of helpful tuts online yo.