Now that I have created a club... I tried to upload a picture for the banner.... am I stupid....or how do I do that?!

There's a button on the left side under the "You're a Fan!" button that says "Edit Club". Click on that to add a banner and ícone to the club.

You need to have sufficient powah to see the editar button, but if it's a new club that you created, you should be able to do it.