Line the bottom of a 9x13” pan with 1 bag of cookies.
Layer bananas on top.
In an bowl, combine the milk and pudding mix.
In another bowl, combine cream cheese and condensed milk and mix until smooth.
Fold Cool Whip into cream cheese mixture.
Add pudding mixture into cream cheese mixture. Stir until well blended.
Pour mixture over cookies and bananas, cover with remaining bag of cookies.
Refrigerate until ready to serve.