Step 1

Beat cream cheese in a medium mixing bowl until light and fluffy.

Step 2

Pour in milk, while whisking or beating on low speed.

Step 3

Add pudding mix and vanilla extract and whisk until mixture thickens.

Step 4

Fold in half of the Cool Whip.

Step 5

Spread a spoonful of the pudding mixture in the bottom of a 9x13 casserole dish.

Step 6

Place a single layer of graham crackers to cover the dish.

Step 7

Spread about 1/3 of the pudding mixture over the graham crackers.

Step 8

Top pudding layer with a layer of freshly sliced bananas.

Step 9

Continue layering graham crackers, pudding, and banana slices to make three layers total.

Step 10

Top the final banana layer with the remaining Cool Whip.

Step 11

Place in the refrigerator for at least 4 hours to set up.

Step 12

Garnish with graham cracker crumbs, a whipped cream swirl, and/or fresh banana slices.