I bank fish at least 5 days a week, and from the boat on weekends. When bank fishing it all depends the structure and weeds of your lake. I AM surrounded by 7 lakes where I can walk the banks, and catch fish. My lakes all have bank weeds that circle the lake. So this eliminates baits with treble hooks. The lakes are all man made, and have deep drop-offs that go straight down 15 to 20 feet, after a twenty yard flat, full of pads and other weeds. I have to use Texas rigged plastics, and one thing I have learned is most fisherman fish too fast, especially when the bite is tough. So slow down and let a reluctant bass see the bait, and slowly move into the strike zone.
Next, look for changes in depth, and target these areas. The pad fields end where the ledges begin. I especially look for the greenest veggies close to the drop-off ledge. These areas usually hold fish, that move up and down the water column as bait fish move in and out to deeper water.
Two different types of green veggies on a flat, are usually better then just one type. Also an isolated clump on a flat will draw fish from the surrounding open area, especially when the sun is high. If you catch one off an isolated clump, go back, the clump often hold more then just one fish.
On tough days I usually let the bait fall on slack line and just sit before moving the bait, and letting it sit again. The bait is often picked up while sitting. Be a line watcher for the slightest movement. When you think your fishing slow, slow down some more.
Bank fishing baits. I will use Senkos, Zoom Flukes, U-Vibes, Creature Baits, a variety of worms. I use the lightest bullet weight to get the job done. Usually a 1/32, or a !/16 bullet weight. I want a natural slow fall, and then realistic movement with the slightest twitch of the rod. I can walk a senko or a fluke along the bottom with twitch and slack line. Go to a pool and watch what your baits do their thing, when you twitch the rod tip. You can learn a lot by just observing.
Clear water, I use natural colors like watermelon, of pumpkin. Darker stained water, or first light or evenings, darker colors. Black or Junebug.
I hope this helps you when bank fishing. It has helped me, be patient and slow down when the bite is tough!