That's a yellow garden spider/Golden Orb Weaver/banana spider(the NOT scary looking kind)/Writing spider...all different names, all the same spider. We get them here all the time and you can tell by the stripes on it's legs and designs on it's back, but also from the way the web is built right above it.This one looks like it has an older web since the zigzag isn't clearly defined. Must mean he's moved a number of times.I have a picture of one in my gallery too.