Personally the Western/Central Banks is just somewhere I avoid on my way to Morteon. It's quite shallow/lumpy to the point you can surf on it when the swell is up and rolling in from the north. If you're going to go that far into the bay you can probably reach the Curtain Artificial Reef towards the north, or the 4 Beacons to the south, which gives you options on bottom bashing, trolling and the likes. If you're looking for actual banks to fish, I think there's the Cockle Banks in Deception Bay (though last time I was there it was catfish central, that'll change when the fresh is gone I hope).