Shoal

In oceanography, geomorphology, and geoscience, a shoal is a natural submerged ridge, bank, or bar that consists of, or is covered by, sand or other unconsolidated material and rises from the bed of a body of water to near the surface. It often refers to those submerged ridges, banks, or bars that rise near enough to the surface of a body of water as to constitute a danger to navigation. Shoals are also known as sandbanks, sandbars, or gravelbars.

Source: Wikipedia