Place the bottom of a 13″ x 9″ x 2″ dish (I used a large, deep bowl) with 1 cookie bag and a banana layer on top.
In a bowl, combine milk and pudding mixture and mix well using an electric hand mixer.
Using another bowl, mix the cream cheese and condensed milk together and blend until smooth.
Fold the whipped topping layer into the cream cheese mixture.
Add the cream cheese mixture to the pudding mixture and stir until well combined.
Pour the mixture over the biscuits and banana and cover with the rest of the biscuits.