Make the instant pudding according to the pudding mixture box instructions and set it aside in the refrigerator.
Mix the whipped topping and cream cheese in a medium-sized bowl and set aside.
Line the bottom and sides of a baking pan or dish with Nilla Wafers cookies.
Add a layer of banana slices over the Nilla Wafers.
Using a small spatula, spread the vanilla pudding evenly over the bananas.
Add a layer of the whipped topping and cream cheese mixture over the pudding layer.
Repeat the above steps for a second layer of cookies, bananas, pudding, and whipped topping.
Sprinkle the ¼ cup of crumbled cookies over the top layer of whipped cream.
Allow the banana pudding to chill in the refrigerator for at least 2 hours.
Banana pudding is easiest to slice after being refrigerated, then serve, and enjoy!
