To make the chocolate banana cake, grease an 8 inch square pan or line the bottom with parchment paper.
Preheat the oven to 350 F.
Combine dry ingredients, and stir very well.
Stir in remaining ingredients just until evenly mixed.
Spread into the pan.
Sprinkle chips on top if desired.
Bake on the center rack 25 minutes, then let cool.
Cover loosely with a towel overnight, either on the counter or refrigerated.