All summer we see and hear the sturdy Belted Kingfishers rattling up and down the stream with their dipping flight pattern, hunting for minnows and small water critters. During migration, I have seen them around salt water inlets too, but I think they prefer freshwater streams.
I have no idea where they have dug their nest: they dig nest holes in banks, and are highly territorial.
Our Belted Kingfisher is found across the US and Canada, and there are a number of species of Kingfishers found around the globe.
Another bank-nester is the drab Bank Swallow, which nests in colonies near water. I have only seen a couple of Bank Swallow colonies in New England - one of them had about a hundred nests - and they are very local in distribution, unlike the Kingfisher. Apparently man has expanded their distribution because road-cuts provide good cliffs for their nest holes.
Photo: A female Kingfisher. The males don't have the red band.