Well, get a bank that is accessible, and hopefully flat. If you happen to see any type of "downed trees" fish around there for bass, or, around rocky shores. They love to hide in the rocks, but then again, you need to use a barber or float to save your hooks and lines.
For catfish, fish around embukments or pilings or piers.
I use worms for all fish. Chunks of fish for catfish, doughball, or smelly chunks of raw meat that has been setting in the sun or has a strong odor.
Flies, and spinner baits for bass. Rappellas for deep water, off of piers, or boats.