Celly Space gives you a free account. Once you have an account you can upload files from your pc to create ringtones, pictures, and other mms ( multimedia messaging system ) files. The website contains all the tools you need to clean up your photos, create ringtones from music and otherwise create and edit multimedia messages.
Once you have completed your cards, slide shows or other multimedia text message you send it using CellySpace. Texting is charged but at reasonable rates. For US users sending your created mms is cheap. Regular mms is 5 cents, multimedia is 20 cents, video 25 cents, ringtones 25 cents and streaming video is 50cents per/mms.