Step 1

Combine wafer crumbs and margarine.

Step 2

Press firmly onto the bottom of the 9×13-inch dish. Refrigerate while preparing the filling.**If you want a thicker crust, double the crust ingredients to get it to easily cover the bottom of a 9X13 pan.

Step 3

Mix cream cheese and sugar in a medium bowl until well blended.

Step 4

Stir in 1-1/2 cups of the whipped topping. Spread carefully onto crust. Set aside.

Step 5

Pour milk into a large bowl.

Step 6

Add dry pudding mixes. Beat with wire whisk 2 min.

Step 7

Slice bananas and arrange over cream cheese mixture.

Step 8

Spoon pudding over bananas.

Step 9

Spread with remaining whipped topping;

Step 10

Sprinkle with chocolate. You can also skip the chocolate and put a layer of Nilla wafers on top or just leave the Cool Whip as the topping.

Step 11

Refrigerate at least 3 hours before serving. When ready to serve cut into squares. Store leftovers in the refrigerator.