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Step 1
Lightly spray griddle with non-stick cooking spray. Heat pancake griddle to 375°F (medium heat).
Step 2
In a medium bowl, stir pancake mix and water together with a wire whisk. The batter will be slightly lumpy. (DO NOT OVERMIX.) Let batter stand 2 minutes.
Step 3
Pour slightly less than ¼ cup batter per pancake onto griddle. Press two slices of bananas into pancake batter.
Step 4
Cook pancakes 1 minute per side or until golden brown, turning only once. Top pancakes with additional banana slices and mini chocolate chips.