[Edit] 
Is it a smiley face crab spider? I usually go to www.bugguide.net for my bug questions. Just type yellow spider in the search and look through the pictures.
IN ADDITION:
Sounds like a garden spider. Non poisionous and has a zig zag white mark in its web.
First answer by ID1286722258. Last edit by Hooweestik. Contributor trust: 753 [recommend contributor]. Question popularity: 27 [recommend question]
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