Line bottom of 13x 9x 2 in dish with 1 bag of the cookies and a layer of sliced bananas.
In a bowl, combine milk and pudding mix. Blend well using handheld mixer. Using another bowl, combine cream cheese and condensed milk until smooth. Fold whipped topping into cream cheese mixture. Add cream cheese mixture to pudding mixture and stir until well blended. Pour the mixture over the cookies and bananas . Top with remaining cookies. Refrigerate until ready to serve.