I exclusively fish from the bank here in AZ and while it is difficult to get deep, it's not impossible. That being said, even when it's 105 at 8AM here, I have found fish shallow (<10 feet of water). I would echo Brian's thoughts about going in the early morning, trying to get there before sunrise and fishing with the sun behind you. I always seem to spook a lot of fish when coming up on the shoreline, so having the sun behind you makes it harder for them to spot you.
As far as lure selection, if you know where they are, stick with the T-rig. I have more luck fishing Texas Rigged from shore due to being weedless. Without knowing where they are, spinnerbaits, buzzbaits, and lipless cranks are what I usually use to locate them. Good luck and drink plenty of water.