Place a layer of cookies on bottom of 13x9 inch baking dish.
Top layer with a layer of sliced bananas.
Mix the pudding and milk together and mix well with an electric mixture.
In separate bowl, mix the cream cheese and condensed milk until smooth. Add Cool Whip and mix well until combined.
Add the cream cheese mixture to the pudding mixture. Mix until combined well.
Put a layer of cream mixture over cookie and banana layer. Layer sliced bananas over layer of cream mixture.
Continue layering until bananas and cream are used.
Top with the rest of cookies on top.
Refrigerate until ready to serve.