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Hi there...

I suppose you've rasterized the text in the layer in the template document .... converted to a bitmap from its editable form.  You have to create a new text layer separate from the background image.

1 - select the text tool. Click on the document where you roughly want the text to be and type / format your text. That's all it is.

2 - If you want to change or edit the text, click on the text layer to make it active and use the text tool to hilite and edit the text layer's contents.

3 - with the pointer tool, click and drag the text to move it around or transform it as you see fit.

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Don't rasterize this text layer if you plan to do edits in the future. Just save the document as a .PSD for later. After which you save a flattened JPG copy.