@NaturalMineralWater, found this on Google:
The nephila clavipes banana spider of North America possesses venom similar in nature to the venom of the black widow, but far less potent, making it quite harmless to humans. A bite from a North American banana spider will not result in much more than a welt that will pass within 24 hours.
N. clavipes banana spiders have elongated bodies that resemble a banana in shape and coloring, beautifully bright yellow and black. The males are about half the size of females, and dark colored. Females grow quite large with a body length of about 1.1 inches (33 cm). North American banana spiders prefer sunny areas and tend to like tall plants or trees. They will often spin a web across a walkway or trail, spanning several feet. The web of the North American banana spider is orb-shaped, golden, and is stronger than most spiders’ webs. In fact its silk is stronger than comparable threads of Kevlar or steel.
The North American banana spider is not aggressive, but if you notice banana spiders building webs close to your home and would like them to move, simply tear down the webs. The spiders will relocate further away where they can continue to do their part in keeping down the insect population.
Other names for the N. clavipes or North American banana spider include the writing spider and golden orb weaver. The argiope or yellow and black garden spider is similar in size and sometimes confused with the banana spider. It too is known as ‘the writing spider’ due to zig-zag patterns in its web.