Preheat the oven to 375°F and line a 12-cup muffin pan with paper liners. Spray with nonstick spray.

Mash one banana in a small bowl and chop the other banana into small pieces.

In a large mixing bowl, whisk together the pancake mix, milk, egg, melted butter, maple syrup, and mashed banana until just combined. Try not to overmix; a few small lumps are fine.

Fold in the chocolate chips and chopped banana.

Divide the batter evenly between the muffin cups, filling each about ¾ full.

Sprinkle a few extra chocolate chips or small banana pieces on top of each muffin if desired.

Bake for 16–18 minutes, or until the muffins are lightly golden and a toothpick inserted in the center comes out clean.

Let the muffins cool in the pan for about 5 minutes, then transfer them to a wire rack. Serve warm with a drizzle of maple syrup if you like!