The analytical development and underlying hypothesis of a three-band algorithm for estimating chlorophyll-a concentration ([Chla]) in turbid productive waters are presented. The sensitivity of the algorithm to the spectral location of the bands used is analyzed. A large set of experimental observations ([Chla] varied between 4 and 217 mg m(-3) and turbidity between 2 and 78 nephelometric turbidity units) was used to calibrate and validate the algorithm. It was found that the variability of the chlorophyll-a fluorescence quantum yield and of the chlorophyll-a specific absorption coefficient can reduce considerably the accuracy of remote predictions of [Chla]. Instead of parameterizing these interferences, their effects were minimized by tuning the spectral regions used in the algorithm. This allowed us to predict [Chla] with a relative root-mean-square error of less than 30%.