A black and gold garden spider is another term for a North American garden spider.
It's a perfectly harmless (and beautiful) ARGIOPE spider. Also called the black and yellow garden spider, banana spider, or corn spider.
Garter spider
Argiope aurantia is a black spider with yellow stripes. Its common names join such different physical descriptions as black and yellow garden spider, corn spider, writing spider, and zipper spider. The black and yellow garden spider generally may be considered harmless to humans.
a garden spider
it is an argiope aurantia spider it could be dangerous if it were a banna spider or its not dangerous if it were a garden spider
I think it's actually called the black & yellow garden spider.
muddaubers
That is a garden spider
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.
Garden spider
A black spider with yellow stripes is a garden orb spider. These are very common and not poisonous to humans.
It is the marbled golden orb weaver.