Arrange one bag of cookies in a 13x9x2-inch dish.
Place a layer of banana slices over the cookies.
In a bowl, whisk milk with pudding mix using a hand mixer until thickened and smooth.
In a separate bowl, beat cream cheese with sweetened condensed milk until smooth.
Gently fold the whipped topping into the cream cheese mixture until uniform.
Blend the cream cheese mixture into the pudding mixture, stirring until fully combined.
Spread the mixture over the bananas and cookies.
Top with the remaining bag of cookies.
Chill covered in the refrigerator until serving time.
