Pour milk into large bowl. Add dry pudding mixes. Beat with whisk 2 min. or until well blended. Let stand 5 min until thickened.  Then, gently fold in 1/2 of the Cool Whip.  Be gentle, you want it to be fluffy.  Set aside.

Arrange wafers on the bottom and around the side of the serving bowl or trifle dish.  Top each wafer with banana slices, feel free to add as much as you like.  Then spread a layer of pudding on top.  Repeat layering until you get to the top of the dish. You should end with a layer of pudding. Cover with the remaining Cool Whip.

I like to take some of the crumbs and some of the broken wafers left in the bag and crumble them to make a pretty topping to sprinkle on top.

Refrigerate for at least 3 hours to set.