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Thats a Garden Spider and sometimes called a Cotton Spider I found this on a google search for Garden Spider: Black and Yellow Argiopes eat flying insects that get trapped in the sticky web. The most common ones are aphids, flies, grasshoppers, bees, and wasps.
The spider hangs with her head down in the center of her web, waiting for prey to be caught. Sometimes she hides off to the side with a thin silk thread attched to her web. When an insect hits the web, the spider feels the vibrations and comes running.
These spiders prefer sunny places with little or no wind to build their webs. Each night, they eat their web and build a new one.
it's one of the few I don't mind having around they do eat a lot of bugs esp in the garden where I move them to when I can
Editing to add that I had never looked it up before even though I've seen them around forever this is from another site about them with the official name:
Spider in the genus Argiope often go by the name garden spiders or writing spiders.
They are the large, colorful spiders that build their nests around homes and gardens.
The writing spider nickname comes from their web construction practices, which create webs with a series of Zs or Xs down the center.
Five different Argiope species are common in the United States.
The most common species is, Argiope arentia, the writing pattern in the web tones down as the spider ages. Often the "Z" or "X" pattern on adult webs is restricted to a couple of short lines in the web.
Argiope do bite, however they are not considered dangerous spiders. You can normally approach them at close range for a picture
