Brent, anytime you have rapidly falling water, the fish are gonna pull off the shallow banks. The security of having deeper water nearby becomes more important than usual.
Because it's fall, you'll still find them in the creeks, but look for them in channel swings and near secondary points or transition areas where the creek channel swings in or away from the bank. Moving baits like spinnerbaits and squarebill or mid-range crank baits are personal favorites because they allow me to cover a lot of water while allowing the fish I catch to tell me if I should be focusing on wood or rocks, the degree of bank slope that is holding the most fish, etc. Also, as Wrench suggested, they will sometimes suspend out over the channel and herd baitfish to the top.
Another thing to always keep in mind in falling water is the front corners of boat docks. I don't care if the water is 100 feet deep beneath it, you're liable to catch a thumper spot (Kentucky bass) by running a topwater, spinnerbait or crank bait beneath those dock corners. Accurate casts are critical. You gotta run that bait right against the dock, or even under it where possible.