Normally when you get the three thumbnail options after uploading, partners (and monetized users) should see a third option that allows you to set a custom thumbnail. But i don't know about the banner thing.
theres a difference between being a partner and having the videos monetized. Partners are the ones who get the special benefits whilst regular youtubers have the same basic options as everyone else. Youtube only this year allowed anyone to monetize videos, but its not a legitimate partnership....which sucks
Custom thumbnails are being made available to everyone. It's happening randomly, so just check every week or so to see if you suddenly have custom thumbnails.
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