Preparation:

1: Prepare the Pudding

• In a large mixing bowl, whisk together the chocolate pudding mix and cold milk.
• Beat for 2 minutes until the mixture thickens. Let it sit for 2–3 minutes to set fully.

2: Fold in the Whipped Topping

• Gently fold the thawed whipped topping into the pudding mixture using a spatula.
• Mix until well combined, creating a smooth and fluffy base.

3: Layer the Bananas

• Slice the bananas evenly and layer half of them at the bottom of a large serving bowl or trifle dish.

4: Add the First Layer of Fluff

• Spread half of the chocolate pudding mixture over the sliced bananas, ensuring even coverage.

5: Add Toppings

• Sprinkle half of the mini marshmallows, chocolate chips (or shavings), and crushed cookies or graham crackers over the pudding layer.

6: Repeat the Layers

• Add another layer of sliced bananas, followed by the remaining pudding mixture.
• Top with the remaining marshmallows, chocolate chips, and crushed cookies for garnish.

7: Chill and Serve

• Cover the dish with plastic wrap and refrigerate for at least 2 hours to allow the flavors to meld.
• Serve chilled for the best flavor and texture.