Our Southern banana pudding with Chessman cookies is a classic soul food dessert made with sweetened condensed milk and instant pudding mix. It’s creamy, fluffy, and ready in minutes—perfect when you want a quick, no-bake treat for holidays or everyday gatherings.

We’re excited to share our easy banana pudding recipe—rich, extra creamy, and light in texture. If you’ve enjoyed banana pudding from well-known bakeries, you’ll find this version equally delightful. It layers silky vanilla pudding with fresh banana slices and two cookie textures for a comforting Southern finish.
This old-fashioned dessert is versatile and forgiving. Our recipe pairs instant French vanilla pudding with Chessmen butter cookies and crushed vanilla wafers to create a dessert that’s both nostalgic and simple to make.
What we love about this Southern banana pudding recipe
- Simple ingredients: Less than 10 items and no baking required.
- Great for gatherings: Ideal for holidays, potlucks, birthdays, and family celebrations.
- Fluffy, creamy texture: The combination of sweetened condensed milk and whipped topping creates a light, velvety pudding.

Ingredients
A full ingredient list with exact amounts appears in the recipe card below.
- Instant French vanilla pudding mix: We use Jell-O French Vanilla, but regular instant vanilla or banana-flavored pudding also work.
- Whole milk: Use cold milk to make the instant pudding set properly.
- Sweetened condensed milk: Adds richness and sweetness—Eagle Brand or another quality brand is recommended.
- Whipped topping (Cool Whip): Thaw according to package directions; you can substitute another whipped topping if preferred.
- Fresh bananas: Slice ripe bananas into rounds for layering.
- Pepperidge Farm Chessmen cookies: These buttery cookies add crunch and flavor—our favorite finishing touch.
- Crushed Nilla Wafers (optional): A layer of finely crushed wafers adds texture between pudding layers. Crush in a zip-top bag with a rolling pin or pulse in a food processor.

The Best Banana Pudding Recipe
Step-by-step instructions are summarized here; full details are in the recipe card below.

Step 1. Pour the cold milk into a large mixing bowl.

Step 2. Whisk in the instant pudding mix until smooth, about 2–5 minutes.

Step 3. Add the sweetened condensed milk and whisk until fully combined.

Step 4. Gently fold in the whipped topping until the mixture is light and creamy.

Step 5. Chill the pudding mixture in the refrigerator for about 5 minutes so it firms slightly.

Step 6. In a serving dish, arrange a layer of banana slices as the base for your first layer.

Step 7. Spread a layer of pudding over the bananas, then sprinkle with crushed vanilla wafer crumbs if using.

Step 8. Add a layer of Chessmen cookies on top of the pudding. Repeat layers until all ingredients are used, finishing with Chessmen cookies facing up for a pretty presentation.
Recipe Tips for Creamy Banana Pudding
- Prevent browning: Lightly brush or toss banana slices with a little lemon juice to slow oxidation and keep them bright.
- Keep ingredients cold: Chilled milk and whipped topping help the pudding set to the right texture.
- Use just-ripe bananas: Choose bananas that are yellow with minimal brown spots for the best texture—overripe fruit can become mushy.
- Chill before serving: Refrigerate the assembled pudding for at least 4 hours or overnight so the cookies soften and flavors meld for a creamier result.
- Finish creatively: Before serving, top with extra crushed cookies, a dollop of whipped topping, or a light caramel drizzle for added flair.
How to Store Leftovers
- Cover the serving dish tightly with plastic wrap or transfer leftovers to an airtight container and refrigerate for up to 4 days.
- Bananas may brown from oxidation over time; this doesn’t affect flavor but can alter appearance. Adding lemon juice to banana slices helps delay browning.

Commonly Asked Questions
If you don’t have Nilla wafers, substitute Chessmen cookies, graham crackers, or ladyfingers—each adds a slightly different texture and flavor.
Lightly coat banana slices with a small amount of lemon juice to slow browning. Assemble and refrigerate promptly for best results.
📖 Recipe

Southern Banana Pudding with Chessman Cookies
Krysten Wilkes & Marrekus Wilkes
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Equipment
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Large bowl for mixing the pudding ingredients.
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Hand mixer or whisk to blend pudding mix, milk, and condensed milk.
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Food processor or large zip-top bag and rolling pin to crush vanilla wafers (optional).
Ingredients
- 1 (3.4-ounce) box French vanilla instant pudding mix
- 2 cups whole milk cold
- 1 (14-ounce) can sweetened condensed milk
- 1 (8-ounce) Cool Whip thawed
- 3-4 ripe bananas sliced (toss with 1 tsp lemon juice to prevent browning, optional)
- 2 (7.25-ounce) packs Pepperidge Farm Chessmen Butter Cookies
- 1 (11-ounce) box Nilla Wafers crushed to crumbs (optional)
Instructions
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In a large bowl, whisk the pudding mix and cold milk until smooth, about 2–5 minutes.
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Stir in the sweetened condensed milk until combined.
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Gently fold in the whipped topping until the mixture is light and creamy.
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Chill the pudding mixture for 5 minutes to thicken slightly.
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Assemble in a serving dish: layer banana slices, pudding, crushed vanilla wafers (if using), and Chessmen cookies. Repeat layers and finish with a top layer of Chessmen cookies.
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Refrigerate for at least 4 hours or overnight before serving to allow flavors to meld and cookies to soften.
Notes
- Prevent browning: Lightly sprinkle bananas with lemon juice before layering.
- Keep ingredients chilled: Cold milk and whipped topping help the pudding set properly.
- Pick ripe but not overripe bananas: Too-ripe bananas can become mushy in the layers.
- Chill well: Refrigerate assembled pudding for at least 4 hours or overnight for the best texture and flavor.
- Garnish before serving: Add crushed cookies, extra whipped topping, or a drizzle of caramel to finish.
Nutrition
Carbohydrates: 84g
Protein: 7g
Fat: 16g