You can use Mind Deposit as your online photo album.  Tell a story with pictures.  Simply create a book with chapters, name them appropriately, write some words for each picture, attach the picture, save it to the chapter of your choice. Wallah! 

You, your friends, and family will easily be able to access your photos for free by using this url:  www.minddeposit.com/[your username]/[title of your book]