Layout 3 pieces of heavy-duty aluminum foil. You can also use a piece of parchment paper as the first layer if desired.
Leave the skin on the banana and slice through the banana to the skin on the other side, but not all the way through.
Fill the split with chocolate chips, marshmallows, and any other fillings you want.
To fold the packets, bring the two longest edges of foil towards each other and roll them together to create a seal. Then, fold in the sides. Repeat the same folding process two more times for a total of three pieces of foil per packet.
Move some hot coals from the fire aside and place the banana boats on top of the coals. Cook for about 10-15 minutes, flipping about halfway through. The banana boats are done when the banana becomes soft and the filling is melted.
Once done, carefully remove from the heat and open the packets. They will be hot!
Top with crushed graham crackers or use whole graham crackers for dipping into the gooey melted banana boats.
