Preheat oven to 400° F. and spray a 12-cup muffin pan with cooking spray or add muffin liners to it.

In a large bowl mash the bananas and then add in the remaining wet ingredients. Whisk together until combined. Add the dry ingredients to the wet and stir them together with a rubber spatula until you no longer see streaks of flour. Don't over-mix.

Stir the chocolate chips into the batter and then divide it evenly into the muffin pan. Place on the middle rack of the oven and bake for 14-16 minutes or until a toothpick inserted in the center of a muffin comes out clean or with a few crumbs attached.

Let the muffins cool in the pan for 5-10 minutes before removing them onto a wire cooling rack.