a garden spider
it is a spider
I think it's actually called the black & yellow garden spider.
Northern Black Widow, and it is most likely poisonous.
The American Black Widow should have nothing upon its back but the black color it is. Specfically, the hour glass is on the belly of the spider.
A Lol Spider? xD
Its a Bold Jumping Spider
A zebra spider is a jumping spider that is black, furry, and white-striped.Specifically, the spider in question (Salticus scenius) belongs to the jumping (Salticidae family) part of the arachnid class within the animal kingdom. Females and males can be less than ¼ inch (6.35 millimeters) in length and width. They have no problems living in and near human-inhabited places and structures.
A spider monkey has furry skin.
The cross spider has white crosses on his abdomen. Another North American spider with white on his belly is a parson spider who has a white stripe down his abdomen.
A spider monkey has furry skin.
The spider you are describing sounds like a daring jumping spider (Phidippus audax). They are known for their black and furry bodies with white spots on their backs and white stripes on their legs. Daring jumping spiders are commonly found throughout North America.