Zipper Spider, Black and Yellow Garden Spider.

Description:

It has distinct yellow and black markings on its abdomens. Males range from 5-9mm and females from 19-28mm. Stabilimentum (reinforced area) in web makes a vertical zigzag band above and below the middle of the web. Juveniles make a circular stabilimentum in the center of the web.

Habitat:

The web was built over a pond in a wildlife habitat yard.

Notes:

An immature will camouflage itself in the stabilimentum, an area of heavy silk: The spiders, both immature and mature hang head down in their webs which have that familiar zigzag pattern.