My charger will go down to 1 amp and will balance the battery. What I have found a few times though is, it happens fast, so am kind of curious how much real balancing has really happened, and another quirk seems to be it will end the charge saying 100 percent charged then later that day, you turn the bike on and it's at like 98 or 99 percent. Makes me think the balancing may have kept on going after the charger turned off at 100 percent, (which it may have assumed as soon as cell voltage hit the peak, then dropped again as the cells shuffled current 'tween each other to balance'), when you look again later, the slightly reduced voltage, because the cells now are balanced, makes it read 99 percent.
Maybe it's a heat thing too, charging cells are warmer, and hotter cells will typically have higher voltage readings, and when they cool back down, the voltage sags a bit, which of course could trigger a less than 100 percent reading as well.
This also may be indicative that an AC balance is much preferred over DC because it's slow and easy and the batteries are more at room temp and their final voltages will be more realistic to an honest charge state and not biased because of the charging heat added to the pack.
Aaron