The first time I brought this to a potluck everyone was a little skeptical… now I have to make several just so there’s enough to go round!

Prepare the Pudding Mixture:

• Combine milk and pudding mix in a large bowl. Whisk for 2 minutes until smooth and thickened.
• Refrigerate until set.

Cream Cheese Layer:

• Beat softened cream cheese until smooth.
• Gradually add sweetened condensed milk and mix until combined.

Combine Pudding and Cream Cheese Mixture:

• Gently fold set pudding mixture into cream cheese mixture.
• Fold in whipped topping until light and fluffy.

Assemble the Banana Pudding:

• Layer vanilla wafers in a serving dish.
• Top with sliced bananas.
• Spread a layer of pudding mixture over bananas and wafers.
• Repeat layers, ending with a pudding layer.

Chill and Serve:

• Refrigerate for at least 4 hours or overnight.
• Garnish with whipped topping, banana slices, or crushed wafers if desired.
• Serve chilled.