It's a perfectly harmless (and beautiful) ARGIOPE spider. Also called the black and yellow garden spider, banana spider, or corn spider.
That is a garden 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.
I think you are referring to a garden spider.
a garden spider
Garden spider
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
The Yellow Sac Spider is. (See link below) Most yellow garden spiders are not.