In a bowl, combine the milk and pudding mix and blend with a handheld mixer. Using another bowl, combine the softened cream cheese and condensed milk together until smooth. Add the cream cheese mixture to the pudding mixture and stir until well blended. Next fold in 3/4 of the the cool whip to the mixture.

Now line the bottom of a 13×9 dish with a layer of vanilla wafers. Then a layer of 3-4 bananas. Next layer half the pudding mixture on top of the wafers and bananas. Repeat the layers with the remaining wafers, bananas and pudding. Top dessert with remaining cool whip and garnish with a few crumbled vanilla wafers. Refrigerate until ready to serve.

*TIP: Give this dish a more elegant flare by using Chessmen Cookies