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Xylocopa varipuncta
Backyard visitor... Bumble Bee? They are either all black or all gold... no stripe of yellow/black like I was used to seeing NJ.
http://bugguide.net/node/view/13232 Sergio's suggestion seems like a good one. Why not update your spotting with the scientific name so it can be considered complete. :-) Beautiful bees!
Carpenter bees come in a variety of sizes although most are slightly larger than a honey bee. One of the most common species is the valley carpenter bee that is characterized by solid black females and golden males. They are as large as or larger than bumblebees. (http://insectexpertphd.com/bees.aspx)