Oops, the author was wrong in the SAIL article
He wrote that when using a combiner you should send the current first to the start bank and then to the house bank. Unfortunately, this is wrong, and against the instructions that come with the combiner, and makes no sense, because the house bank is usually in a lower state of charge than the start bank.As for some of the information in the posts above, I note1. With a three output charger and two banks, only two outputs are required, since two of the individual batteries are already connected as a house "bank." makingthyme is right.2. If you use a combiner between the house and start banks, you should use a PDP (positive distribution post) as "THE" main point of connection for the house bank and run both the alternator and (single) charger output there. The PDP "replaces" the positive post of the individual battery, since you can use it connect other things like bilge pump and stereo memory wiring, and then only have ONE wire from the PDP to the house bank. Sure, you could run these things to the positive terminal of one of the batteries (which would functionally be the same), but then you'd have four or more connections on the battery post, which is NOT good electrical practice.3. Separate house banks will reduce the life of the batteries. Given the same daily loads, the larger the house bank the longer the batteries will last because their daily draw down is a smaller percentage of the battery capacity. The SAIL article was, again, wrong [unless only two banks were on the boat, so one was left as a backup -- having three banks makes NO sense -- a large house bank and a separate start battery are all that is required]. Sometimes the simple electrical articles written in the "popular" magazines, leave little space for getting into a subject in depth, and accordingly sometimes give incorrect information. Two or three pages are just not enough to give this subject its due. That's why so many BOOKS have been written about the subject.4. Regardless of how you run your wiring from the charger to the banks, you should be able to turn your 1-2-B switch off when you leave the boat. The charger is wired into the incoming AC shorepower directly outputting DC to the banks. The switch should only be taking DC out of the batteries, and so should have nothing to do with charging when you're away from the boat. [In many cases the alternator output is wired to the C post on the battery switch, and the switch is thus used to both decide which bank the DC power comes OUT of, but also which bank gets charged BY the alternator. BUT, I'm guessing you're not going to be leaving your engine on when you leave the boat.]

Roadtool, looks like you've got a nice boat there. I recommend that you purchase a copy of Nigel Calder's "Boatowner's Manual for Mechanical & Electrical Systems." Rather than depending on contradictory responses on this forum, you can learn about it directly. It's important, because like everything else on a boat, it's a safety issue.BTW, they've just published a third edition, so you might be able to get a 2nd edition at a reduced price (the information you NEED hasn't changed much). Even so, it's the best $50 you'll EVER spend on your boat.Stu