not sure where you are but most of the better bank spots are or will be up creeks and or under docks .
winter fish run up the creeks hard here in a few spots and some of the fishing docks load up big time .
every lake differs though and what is great at one lake isnt worth a hoot at the next .
i will tell you pretty much for sure early and late in the day in the winter off the bank is likely the best times to go .
hopefully someone here will pm you with some information about down that way . maybe Dhaire will know something ?