As far as bank fishing goes, I've got a couple ideas. I've never had a boat but I've been fishing the Chattanooga area for a while now so it's forced me to become creative. The spot below the dam has really produced well in the past but wasn't tip top this year, I usually wade there, but I suppose thats pretty difficult now that the cold is here. If I were you I'd take enough weight with you to get it out there, but be forewarned there are a ton of snags along the bottom of that area. Some times I'll use a weight and a float and to get it out there but then let it flow down with the current. Another idea is the Raccoon Mountain fishing pier, down Cummings Hwy in Lookout Valley. If you're interested in Catfishing the pier is a very good option, and its produced at least average size fish for me year round. Also, there are multiple banks that can be fished down below the dam on Nickajack lake. One beach on the opposite side of the fishing pier near some pylons, and the pier itself. I'm sure the current on both dams right now is probably roaring though, so take care! Lastly, you may also consider multiple places around the riverpark area south of the dam. The mouth of South Chick, or the water should be high enough to make some of the piers further down fishable. Good luck whatever you do!