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We present here the results of calibrating and validating a three-band model and, its special case, a two-band model, which use MEdium Resolution Imaging Spectrometer (MERIS) reflectances in the red and near-infrared spectral regions for estimating chlorophyll-a (chl-a) concentration in inland, estuarine, and coastal turbid productive waters. During four data collection campaigns in 2008 and one campaign in 2009 in the Taganrog Bay and the Azov Sea, Russia, water samples were collected, and concentrations of chl-a and total suspended solids were measured in the laboratory. The data collected in 2008 were used for model calibration, and the data collected in 2009 were used for model validation. The models were applied to MERIS images acquired within two days from the date of in situ data collection. Two different atmospheric correction procedures were considered for processing the MERIS images. The results illustrate the high potential of the models to estimate chl-a concentration in turbid productive (Case II) waters in real time from satellite data, which will be of immense value to scientists, natural resource managers, and decision makers involved in managing the inland and coastal aquatic ecosystems.