In situations like that, I've tied on a larger (J-9 to J-13) Rapala Jointed and cast several feet off the bank, but staying parallel with it. Let that lure get beat around by the wind and waves up until it nearly reaches the bank, then begin a nice steady slow retrieve. You can add pauses when/where ever you like. I typically use this around rip rap banks.
Just hold your boat position facing the wind and cast across the direction of the wind or at a 45 degree angle to it. You'll be able to use either spinning or casting gear; I use casting for these baits. Don't worry about some slack line on the initial lay. You'll see them take your lure until you begin the retrieve. After that, you know what to do!