See the links I posted in Related Links to view photos to see what the Balck and Yellow Spider looks like in photos.
Banana spider
The Orb-weaver spider is a fairly large garden spider found abundantly in Oklahoma. They can be identified by their black, white and yellow body and legs as well as the spiral or zipper-like arrangement of prey-catching threads in their webs.
i saw a spider just like that and i squished it (hehehehe)but i dont know what kind of spider it is.
Possibly some species of gasteracantha or micrathena.
The black and yellow garden spider is a black- and yellow-bodied spider whose back is marked with white. The arachnid in question may be found throughout Canada and the United States of America. It numbers among the most recognizable of garden arachnids.
I think it's actually called the black & yellow garden spider.
The Black Widow Spider has either a yellow, red, or orange hourglass, but sometimes can look like a dot. Links: http://mysite.verizon.net/vzer75kc/
Orb Weaver
Only black widows have hourglasses on their backs... You should probably be careful
The description matches that of a Marbled Orb Weaver spider, scientific name Araneus marmoreus. This species is commonly found in North Carolina, USA. It has a yellow body with black dots and black stripes on its legs.
The spider with a light yellow spiked shell and black dots is the star spider. The star spider is commonly found is the Southern parts of the United States and Central America.
It's my understanding that the color of the markings on a black widow are by and large red, but can appear in yellow, orange, and white. I would regard that spider as a black widow for safety's sake.