Prep your dish: Use a 9x13-inch baking dish. Make sure the whipped topping is fully thawed and the cream cheese is at room temperature for easy mixing.
Lay the cookie base: Arrange a snug layer of shortbread cookies on the bottom of the dish.
Itβs fine if there are small gaps.
Slice the bananas: Peel and slice bananas into 1/4-inch rounds. Lay an even layer on top of the cookies, overlapping slightly.
Whip the cream cheese: In a large bowl, beat the softened cream cheese until smooth and fluffy. Slowly add the sweetened condensed milk, beating until fully combined and silky.
Mix in vanilla extract and a pinch of salt if using.
Make the pudding: In a separate bowl, whisk the instant pudding mixes with cold milk for 2 minutes until thick. Let it sit for 1β2 minutes to finish setting.
Combine the fillings: Gently fold the pudding mixture into the cream cheese mixture until smooth. Try not to overmix; you want it airy and creamy.
Add the whipped topping: Fold in about two-thirds of the whipped topping until fully blended.
This makes the filling extra light and luscious.
Assemble the layers: Pour the filling over the banana and cookie layer, smoothing it evenly with a spatula.
Top with cookies: Arrange another layer of shortbread cookies on top. For a cleaner look, keep them whole. For a rustic look, crumble a few over the surface.
Chill to set: Cover and refrigerate for at least 4 hours, preferably overnight.
The cookies soften slightly, and the flavors meld.
Finish and serve: Just before serving, dollop or spread the remaining whipped topping over the surface if you like an extra creamy finish. Slice and serve cold.