I noticed this graphic concept or trend where you have a picture pass through text, not set in it or the text itself being 3D but the effect gives off a similar appearance. I have no idea what its called and I want to learn how to do it, but I can't find a tutorial without knowing what to call it. So I included an example photo of one I've seen. Does anyone know what is the name of this text/photo effect, and how do I accomplish it ( tutorial for Ai or PS)?
What you need is to use "Layer Masks" (Tutorials from Adobe here)
You can add layer masks on your letters AND also add shadow later if you need to add more realism to your 3D effect.
You need to type your texts on layers above the image/subject, and "hide" some parts of that text.
If it's easier to cut out the main subject of your layout, you can also use the layer mask on the subject instead of the letters only. Sometimes it's easier to use both.
When you'll create a layer mask, you can use a brush or any selection tools to add black to your layer mask; the black will hide the part you want to "erase." If you use white, it will show the area again. To erase parts of your texts, simply add a layer mask on the layer you need to work on, and add black or white to make parts appear or disappear. You can delete these layer masks at any time.
This is how it looks like without the background image and what your layer masks will do: