A banshee is a figure from Irish tradition, a woman of the fairy mounds whose cry is heard before a death in the family she attends. She does not cause the death and she is not met in a graveyard by strangers. The tradition is specific: certain families, one voice, and a warning that arrives ahead of the news.
The word itself carries the meaning. Bean sidhe is simply woman of the sidhe, the mounds, and once you know that the whole business stops sounding like a monster and starts sounding like a neighbour of a very particular kind.
Who she was said to follow
The oldest strand of the belief ties the banshee to families rather than places. The tradition claims she attends the ancient Irish lines, and the names repeated most often are the O'Neills, the O'Briens, the O'Connors, the O'Gradys and the Kavanaghs, though every collector who went looking found local families with their own claim and their own account of hearing her.
That detail is the most revealing thing about the whole tradition. A death omen that belongs to your family is a very different object from one that belongs to a lonely road. It says something about who you are, and it says the dead of your house are noticed. In a country where lineage was both a comfort and a political fact, that is not a small thing to be told.

What the accounts actually describe
Strip the later illustrations away and the reports are quieter than you expect. The cry is heard outside at night, usually near the house, sometimes at a window. It is described as keening rather than screaming: rising and falling, wordless, unmistakably a woman, and unmistakably grief rather than threat. Nobody in the older accounts sees very much.
Where she is seen, the descriptions split. She is a young woman with long pale hair, or she is very old, and she is often combing her hair. That comb matters more than it looks. A separate strand of the belief warns against picking up a comb found lying on the road, on the grounds that it is hers and she will want it back, which is the sort of practical instruction that tells you a belief was genuinely current rather than merely literary.
Lady Wilde gathered many of these accounts in the eighteen eighties, and the pattern in her collection holds: the hearing is common, the seeing is rare, and the family always knows before the messenger arrives.
Scotland kept a colder cousin of the same figure. The bean nighe, the washer at the ford, is met kneeling at a stream washing bloodstained clothes, and the clothes belong to the person who has met her. The Irish version announces. The Scottish version shows you.
The real women behind the cry
Here is the part usually left out, and it is the part I would most want you to take away. Ireland had professional keening women, the mna caointe, who were engaged to lament at wakes. Keening was a formal art with its own conventions, performed aloud over the body, and it was regarded as a duty owed to the dead rather than a display.
The Church spent a long time trying to suppress it, and the practice declined heavily in the nineteenth century. So the banshee tradition sits directly alongside a real, audible, organised practice of women crying out for the dead in the same landscape. Whatever else she is, she is the echo of a job.
That overlap between what a house does and what a house believes runs through all death custom. The same instinct that set women keening at a wake also covered the mirrors in the house before the neighbours arrived, and read the dying seeing relatives already gone as the beginning of the crossing rather than as confusion.

Is a banshee a ghost?
No, and the distinction is firm in the tradition rather than a modern tidying up. Ghosts in Irish belief are the returning dead with unfinished business, addressed by prayer and by Mass. The banshee is of the sidhe, a different order of being with no personal history in the family, and no account has her recognised as anyone's late grandmother. She is nearer to a function than a person.
Does hearing her mean the death is certain?
In the older accounts, yes, and this is where the tradition is unkinder than most omens. There is no version in which you hear her and then avert the loss by lighting a candle or saying the right words. Compare that with omens meant to be acted on: an acorn kept for protection is a charm you use, while her cry is only ever news delivered early.
Did emigrants take the banshee with them?
They did, and the American and Australian accounts are worth reading precisely because they are inconvenient. Families reported hearing her thousands of miles from the townland she was supposed to belong to, and often on the night a relative died back in Ireland. Collectors recorded these while noting, quite properly, that letters took weeks and grief anticipates.

How to read the tradition honestly
Treat the banshee as one of the best attested pieces of Irish folk belief and treat the individual accounts as what they are: people describing something heard at night in a house where somebody was already ill or already old. The stories were told most often by the people who had grown up expecting them, which explains a great deal without explaining everything.
What I would not do is flatten her into a horror figure. The tradition gave a family the sense that its losses were attended, and there are worse things a story can do. Our ancient wisdom library keeps this material in one place for people who want the collected accounts rather than the film versions, and the folklore and old practice gathered here is free to work through. If you are not sure which thread you are actually following, the short seeker quiz will sort it in ten minutes.
Grief, though, is not a research subject when it is yours. People come to me having heard something in the week a parent died and wanting to know whether they imagined it, and that conversation deserves more than a reading list. Bring it to me if it will not settle, or read first about what a sitting actually involves so you know what you are walking into.
One piece of homework, if you want to meet the tradition properly. Find a recording of genuine Irish keening, of which several survive, and listen to it once, all the way through. You will not need anybody to explain the banshee to you afterwards.
