Step 1

In a medium bowl, whisk together pudding mix and milk until smooth. Set aside.

Step 2

With an electric mixer, beat cream cheese and sugar until smooth. Add pudding mixture and beat well. Fold in frozen whipped topping. Refrigerate until ready to serve.

Step 3

Just before serving, top with chopped bananas. Garnish with whipped cream and cookie crumbs, if desired. Serve with graham crackers, vanilla wafers, shortbread cookies and fruit.