That second panel is in the twilight zone between a 12v panel and a real 24v panel. It would not really be suitable for charging a 24v bank because of the low MPP voltage (anymore than you could charge a 12v battery well with a 13v Mpp panel).
If you used it without MPPT it would cost you more per battery charging amp ($23.40 per amp for the top one, $26.25 per amp for the bottom one using PWM controllers for both rather than MPPT for either).
Now if that is enough amps for you, the absolute cost to get going is less, but you could probably find a smaller 12v panel between the two sizes that is still cheaper per amp.
Jim