There are lots of different companies that have on-line scrapbooking. If you google search then a few will come up.
I use shutterfly.com simply because my sister-in-law uses it and likes it and said she priced other places and this was comparable. The things I like about shutterfly is that they have a very good customer service, there is no start-up fee, you can email your albums to others, it is easy, there is no time limit and it is good quality.
Here is a picture of the album we put together for my parents' 40th anniversary. We were all across the country and we easily put our photos together with little notes to them too and had it shipped right to their house.
I really enjoy doing it on the computer because my kids can come down and they don't get into all of my things and scatter them. It is so easy. You can do them fancy, but I don't know how to do it that way and I'm fine getting the pictures in the book with a little journaling. I do a book for each kid and then a family book that has the major family events documented. If you go to shutterfly.com then you can look at different examples.
When you go to shutterfly.com mention my name and I'll get paid. Just kidding, but as I write this I decided that I should get paid; it sounds like an advertisement.