take an honest look at what you photoshopped over the original text on that note. did you really try your hardest?
another thing, if your picture is real why would it have an alpha channel by default? png has alpha channel support but it wouldn't have an alpha channel unless you did something to it
Error Level Analysis (ELA) permits identifying areas within an image that are at different compression levels. The entire picture should be at roughly the same level. If a section of the image is at a significantly different error level, then it likely indicates a digital modification.
Look around the picture and identify the different high-contrast edges, low-contrast edges, surfaces, and textures. Compare those areas with the ELA results. If there are significant differences, then it identifies suspicious areas that may have been digitally altered.