Wart, thanks for your feedback again. I called Promariner Tech Support just to confirm my understanding of how this charger functions. For traditional Chargers, as I will call them, you would be correct, however this Promariner ProNautic 12-20P is just 20A total available output. It does have 3 banks but I'm only using 2 of the banks. There is also no need to run a jumper between unused banks on this charger. This charger has digital features that will allow you to set up 3 different charging profiles, for different bat type for each bank, if needed and it will self manage its output to each bank depending on the needs of that bank. Yes, 60A would be way to big for the AH's I'm going to have which will be about 255 (55 & 200). According to my calculations and based on charts I referenced, the 20A should be able to bring my 200AH house bat back to full charge in about 9 to 10 hrs if I remember correctly. The way I use my boat in Beaufort, I'm usually back at the docks on shore power by 5 or so and we head back out the next morning around 9am so if I discharge using the inverter I should have enough charging power and time to make it work? I'm enjoying the challenge of these projects and learning some stuff too. FYI-ordered my BEP cluster yesterday, looking forward to that functionality thanks.Thanks to all for the help as always.