Open meadow banks that get lots of sun are usually somewhat warmer than steep, shaded banks. Use of simple thermometer, like an eye on bird action or fish swirling improves results. As a rule baits work better than lures as waters cool and fish slow down. Baits that move slowly usuallly work better than stationary baits, as the former can be seen further. Live baits work better than dead baits too.
Smaller baits seem to suit cold winter waters.
Redworms instead of nightcrawlers, mealie worms instead of salmon eggs or tiny minnows instead of large ones make sense. If possible use more than one bait and switch until you find the one's that work. The afternoon seems optimum if wind and weather aren't problems as that's the period of maximum solar warding. The warmest water temperatures of the day usuallly bring out any winter insect hatches as well. Species do differ.