You typically hear the loud rattling call before you see a Kingfisher. And when you do see them, they are zipping along the water after their aquatic prey. The big bill and ragged crest makes them look a little top heavy. This is a female Belted Kingfisher. Males don’t have the chestnut band.
Birds in My Viewfinder 
They are camera shy. /nice find. I see them kayaking, but not close. I think one must do like they do in England to try to capture their kingfisher: sit for hours in a blind.
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They do have a knack for always seeming to be on the opposite side of the pond no matter what you do. This one landed nearby while I was photographing other birds. It probably didn’t notice me since I was being quiet and still. Not a quite a blind but it worked.
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I had one land on a tree near me for 1-2 seconds then took off when it saw me. A branch was in the way of the shot thought.
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