I prefer to use minnows under a float 2'-4' down. I key in on buck brush, tree lay downs or just about any cover that is near the bank. I like banks that have a slight curve to them also, like a channel bend or a small cove. Deep water near by is a plus as well! I will also take a 1.5" YUM curl tail on a 1/16 oz jig head and position the boat close to the bank and make long casts along the bank retrieving slowly. This can be very effective also.