This colonial-nesting swallow places its nest at the end of a burrow dug into a soft cliff or bank. The nesting cliff often appears riddled with holes, but not all burrows are used for nesting. A highly social species, the Bank swallow is usually observed in flocks of its own or with other swallow species. It has dark wings and tail that contrast with the paler brown back. The underparts are whitish except for a distinct brown breastband.
It is a generally uncommon, but locally common to abundant summer resident at mid- to low elevations east of the Cascades. Numerous colonies contain 10-100 pairs; a few exceed 500 pairs. A few pairs occasionally nest west of the Cascades, but most colonies are unstable and short lived.