Sounds that are created above water typically do not carry enough force to penetrate the surface tension of the water, so talking on the boat or loud noise may not affect fish as much as your fellow anglers may want you to think. Your voice is unlikely to spook or scare fish away.
What is a fish ear called?
Just as humans have an inner ear for balance, an otolith helps the fish understand its orientation in space, an important task when moving up and down throughout the water.
Can fish see or hear you?
Do fish have ears and nose?
Many fish also have chemoreceptors that are responsible for extraordinary senses of taste and smell. Although they have ears, many fish may not hear very well.