Set cream cheese to the side and allow it to get to room temperature.

Mix Milk and pudding together follow instructions on the box.

Mix cream cheese and condensed milk together until smooth. Mix pudding mixture with the cream cheese mix. Mix in half of cool whip set other portion aside.

Layer a bowl with wafers then add a layer of pudding/cream cheese mixture slice up any amount of bananas you would like and repeat. Top pudding off with the remainder of cool whip. I crushed about 5 wafers and sprinkle the crumbs over the cool whip!