1. Line bottom of 9×13 inch baking dish with cookies and banana slices on top.
2. In a bowl, combine the milk and pudding mix and mix well using a handheld electric mixer. Using another bowl, combine the cream cheese and condensed milk together and mix until smooth.
3. Fold the cool whip into the cream cheese mixture. Then add the cream cheese mixture to the pudding mixture and stir until combined. Pour the mixture over the cookies and bananas and cover with the remaining cookies. Refrigerate until ready to serve.