I've really struggled with this with my local pond over the past year and a half. My fish are picky, like 5 year old chicken nuggets and mac n' cheese picky. It took trying a number of different baits, colors, techniques, and picking off nasty slimy weeds to dial things in.
A bluegill chatterbait with a bluegill ragetail menace trailer has been my savior. Start reeling immediately, and give it a quick pop to shake off any gunk collected from entry. Play around with your retrieve and rod angle until you find a speed and position where you feel the vibration and are in contact with the vegetation, but not constantly in the gunk. Pop the rod when the vibration stops, and keep winding away.
Although I haven't had a ton of success on it yet, the rage rig has really surprised me with how clean it stays throughout the whole retrieve. Dragging a Zoom lizard across the vegetation and down into holes has also done very well, and was a cheap investment for testing. Punching does work from the bank, but can be very frustrating. Cast to your spot, pause jiggle pause, reel it in and move on to the next hole or spot. Lizards, Senkos, Ragebug/beaver style baits, trick worms, speed worms have seemed to work through the vegetation best. I know a lot of folks recommend swim jigs, and I wouldn't advise against it, but I found them to be the most difficult and biggest cabbage collector of anything I've tried. Good luck, and once you figure some things out, it's incredibly rewarding ?