Hi,
Usually when you charge them separately you ground the two negative
terminals (one from each battery) and also connect the two battery chargers
negative terminals to ground (all negatives connect together), then connect
the positive terminal of one battery charger to the positive terminal of
one battery, and connect the positive terminal of the other battery charger
to the positive terminal of the other battery. Thus each battery has it's
own charger. Note that the two chargers MUST be made specifically for the
type of battery you are working with, and MUST be the correct voltage too,
and also must put out a certain minimum current level.
You can also connect two chargers to two batteries as separate circuits
so that the negatives of the two chargers do not connect together. In this
case each charger connects to one battery.
When you charge in series you connect the negative terminal of the first battery
to the positive terminal of the second battery, then connect the charger
positive terminal to the first battery positive terminal and the charger negative
terminal to the negative terminal of the second battery. Note the charger
has to be made for the type of battery you are using, and the charger also
has to be made for twice the voltage of one battery, and must put out a
certain minimum current level.
A third option is to connect two isolated chargers to two batteries while
they are still connected in series. In this case the chargers have to be
isolated (separate circuits) or a charger built specifically for this reason.
Again one charger connects to one battery, and the other charger connects
to the other battery. One charger's negative ends up being connected to
the other charger's positive, but as long as the chargers are isolated it's
ok to do that.
One way to achieve this would be to buy two chargers (that are isolated
from the line voltage) and connect them to the batteries as if they were
simply each charging their own battery (which they are anyway). The
only difference is we dont disconnect the batteries from the load in this
scenario.
If you also want trickle charging then the chargers have to be able to
put out enough current to power the load as they are charging the
batteries. Switching the load off might be the best idea here unless
it has to run 24/7 in which case sometimes the chargers will be
powering the load.