Yellow silk spiders ( aka banana spiders ) appear down here in August through September. I’ve never seen one out of season but they are every where there is woods late summer.
The spider is harmless, you have to seriously antagonize this spider to get bit and the bite is not as bad as a bee sting.
These are the second largest spiders here, only tarantulas are larger, and they are the largest of the orb web builders. Orb webs are the traditional round webs you imagine when you think about a spider web.
The heavy stripe these spiders often put down their webs is believed to have developed to keep birds out of the webs. Mid August through mid September is also peak hummingbird season down here.