12.6 is 95% full, a battery might drop down to 12.7v after being off the charger for 3 hours or more but if the battery is still good then it should read 12.7 or higher for days, batteries in my electric car haven't been charged for weeks because my motor was getting repaired and the 48v pack is still reading 52.3v or nearly 13.1v per 12v set.
So I would say that if your battery is only reading 12.6v after taking it off the charger, then the charger is not charging it fully!
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