Use a rattletrap over these areas in the morning, then switch to small worms as the day progresses. Topwater baits can produce all day long, especially on overcast days. Lily pads, algea, matted weeds and other heavy cover are bass magnets. Fish these by either scooting a frog, rat or spoon over the top or punch through with a heavy jig or worm. If it's windy, focus on the windy side of structure.
Plankton is blown there which attract the baitfish which in turn attract the bass.
Fall Bass become more active as the water cools back into the low 70s and 60s and will attack a faster-moving bait, such as a crankbait. Boat docks and similar shallow structures offer good fishing during the fall. River channel bars and ledges provide places for the bass to feed on baitfish. And most bass tournaments held in fall are won along channel edges in the far back ends of creeks. Search for steeper shorelines, vertical drop-offs and green weeds.