Fig 1. Background layer and type selection,
which functions as a mask for the adjustment layer.

1. Open an RGB image or background.

Choose the Type Mask tool (T or Shift T)
and click in the image or background where you want the type
to begin.

2. Choose the type settings like font and style,
they enter your text, then click OK.

3. Leave the type selected, and  go to the layers
palette (Window > Show layers) and click
the layer above which you want the
new adjustment layer to appear.

4. Control Click the Create New Layer
button on the Layers palette, choose and adjustment type
like levels, then click OK. The type character shapes will become
a mask for the adjustment layer.

Fig 2. Only pixels directly under the character
shapes will be affected by the adjustment.

5. Alt click the adjustment layer
thumbnail to display the mask alone, alt click again to restore the full image.

TIP 1 : With the adjustment layer selected, choose
Image menu > Adjust > Invert (Control I) to swap the black and white
areas of the adjustment layer mask.

TIP 2 : Use the Move tool (with auto select layer option NOT checked)
to reposition a type mask on an adjustment layer.

 
 
 

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