Creamy Banana Pudding Layers

Highlight: Indulgent Desserts for Sweet Endings

This Southern-inspired dessert features layers of smooth vanilla pudding mixed with sweetened condensed milk and whipped cream, combined with fresh bananas and crisp wafer layers. The pudding sets after refrigeration, resulting in a luscious and creamy texture with hints of marshmallow fluff for extra softness. Assembling the bananas just before serving keeps their freshness intact. Perfect for beginners, this chilled dessert offers nostalgic flavors and delicate sweetness in each bite, ideal for sharing with friends and family.

A woman in a blue apron holding a plate of food.
Crafted By Sophie
Updated on Wed, 24 Dec 2025 19:33:29 GMT
A bowl of creamy banana pudding with cookies on the side. Save
A bowl of creamy banana pudding with cookies on the side. | myhomemademeal.com

This creamy Chick-fil-A style banana pudding brings together light, silky layers of vanilla pudding and bananas for a classic Southern dessert that feels like a warm hug. Its sweet, nostalgic flavors make it perfect for family gatherings or anytime you want a comforting treat that’s simple to prepare.

I first made this recipe after craving that iconic Chick-fil-A dessert, and it instantly became a favorite whenever friends visit. It’s one of those dishes that brightens up any occasion with minimal fuss.

Ingredients

  • Sweetened condensed milk: adds smooth sweetness and creaminess, so choose a quality brand for best results
  • Ice-cold water: helps the pudding set properly and ensures a fluffy texture
  • Instant vanilla pudding mix: provides classic flavor and thickens quickly, avoid using cooked pudding for this recipe
  • Heavy cream: offers richness and helps create the lush, silky layers essential to the dish
  • Marshmallow fluff: lends a light sweetness and airy texture, making the cream layer extra indulgent
  • Barely ripe large bananas: bring natural sweetness without being too mushy, and their firmness holds up well in layers
  • Nilla Wafers: add a nostalgic crunch and buttery flavor, look for fresh, crisp wafers for the best contrast in texture

Step-by-Step Instructions

Spoon 1 Whisk and Chill:
In a large bowl, combine the sweetened condensed milk with ice-cold water. Whisk this mixture vigorously to blend completely. Add the instant vanilla pudding mix and whisk again until the mixture is completely smooth and free of lumps. Cover the bowl and place it in the refrigerator for about four hours to allow the pudding to fully set and thicken.
Spoon 2 Whip the Cream:
In a separate large bowl, use a hand or stand mixer to whip the heavy cream until soft peaks form. Add the marshmallow fluff to the whipped cream and continue beating until very stiff peaks are achieved. This creates a light and sweet cream layer that will elevate the texture of the pudding.
Spoon 3 Fold Cream into Pudding:
Carefully fold the whipped cream mixture into the chilled vanilla pudding. Do this slowly and in small increments to avoid deflating the whipped cream. Stir gently until you see only minimal streaks of cream throughout the pudding mixture, preserving the airy texture.
Spoon 4 Assemble the Layers:
Begin by arranging a single layer of Nilla Wafers at the bottom of a 9x13 inch baking dish or a large bowl suitable for serving. Layer sliced bananas evenly on top of the wafers. Spread one-third of the creamy pudding mixture evenly over the bananas. Repeat this layering process two more times, finishing with a final layer of the creamy mixture on top.
Spoon 5 Decorate and Chill:
Optionally, decorate the top of the pudding with crushed Nilla wafer crumbs or additional banana slices to add visual appeal and texture. Cover the dish and refrigerate for at least four more hours to allow the layers to meld perfectly before serving.
A glass bowl filled with a creamy banana pudding. Save
A glass bowl filled with a creamy banana pudding. | myhomemademeal.com

The bananas are my favorite part because they bring just the right amount of natural sweetness and freshness that cuts through the richness. A memorable family moment for me was when this bowl appeared at a holiday gathering and disappeared faster than I expected because everyone loved the combination of textures and flavors.

Storage Tips

Keep the pudding covered and refrigerated tightly for up to three days. The layers hold up well but the bananas are best enjoyed soon after assembling to prevent browning. If you need to store longer, consider preparing the pudding base and cream separately and assemble just before serving.

Ingredient Substitutions

You can swap the heavy cream for coconut cream for a dairy-free version but expect a slightly different texture and flavor. Use homemade vanilla pudding or a different instant pudding mix if you prefer other flavors like banana or butterscotch. For a lower sugar option, look for reduced sugar condensed milk or pudding mix alternatives.

Serving Suggestions

Serve chilled in individual glass bowls or cafés style with additional Nilla wafer crumbs on top. Fresh mint leaves or a light dusting of cinnamon add a festive touch. This banana pudding pairs beautifully with coffee or a classic Southern sweet tea.

Cultural Context

Banana pudding has long been a beloved dessert in the American South, often found on family tables and at potlucks. Its layered texture and sweet comforting flavor make it a dessert that evokes warm memories and celebrations. The use of Nilla wafers is a traditional touch that has been part of the recipe’s identity for decades.

Pro Tips

  • Make the pudding the day before to allow it time to thicken evenly and develop flavor
  • Fold the whipped cream gently to keep the mixture light and airy for the best creamy texture
  • Add banana slices just before serving if you want to avoid browning and keep the presentation fresh

Recipe FAQs

→ What type of bananas work best for this dessert?

Barely ripe large bananas are ideal because they offer sweetness and maintain texture without becoming mushy.

→ Can I prepare the pudding mixture ahead of time?

Yes, refrigerate the pudding mixture for about 4 hours before assembling to achieve the right consistency.

→ How do I prevent the bananas from browning?

Slice and place the bananas just before serving to keep them fresh and prevent discoloration.

→ What is the role of marshmallow fluff in this dessert?

Marshmallow fluff adds lightness and helps create a fluffy, creamy texture when folded into whipped cream.

→ Are there any essential tools needed for making this dish?

A large mixing bowl, a whisk or mixer, and a 9x13 baking dish or large serving bowl are recommended for easy preparation and layering.

→ How long should the dessert be refrigerated after assembling?

Chill for at least 4 hours to allow the layers to set and flavors to meld beautifully.

Creamy Banana Pudding Dessert

Light creamy layers blend banana and vanilla for a sweet Southern-style treat.

Prep Time
30 minutes
Cooking Duration
~
Overall Time
30 minutes
Crafted By: Sophie

Recipe Type: Desserts

Preparation Complexity: Beginner-Friendly

Regional Cuisine: American

Servings Output: 12 Serving Size

Dietary Choices: Suitable for Vegetarians

Everything You’ll Need

→ Pudding Base

01 14 oz sweetened condensed milk
02 1.5 cups ice-cold water
03 3.5 oz instant vanilla pudding mix

→ Cream Mixture

04 2.5 cups heavy cream
05 2/3 cup marshmallow fluff

→ Assembly

06 5 to 6 large barely ripe bananas
07 1 box Nilla Wafers

Steps to Cook

Step 01

In a large bowl, whisk together sweetened condensed milk and ice-cold water until fully combined. Whisk in the instant vanilla pudding mix vigorously until the mixture is smooth and free of lumps. Cover and refrigerate for approximately 4 hours to allow it to set.

Step 02

In a separate large mixing bowl, whip heavy cream using a hand or stand mixer until soft peaks form. Incorporate marshmallow fluff and continue whipping until stiff peaks develop.

Step 03

Gently fold the whipped cream mixture into the set pudding in increments, taking care to maintain volume by avoiding deflation. Fold until a near-uniform mixture with minimal streaks is achieved.

Step 04

In a 9x13 inch baking dish or large serving bowl, arrange a single layer of Nilla Wafers. Top with a layer of sliced bananas, then spread one-third of the cream mixture evenly over the bananas. Repeat this layering process two more times, finishing with a top layer of the cream mixture.

Step 05

Optionally garnish the top with crushed Nilla wafer crumbs or other desired decoration. Refrigerate the assembled dish for at least 4 hours before serving to allow flavors to meld and pudding to firm.

Extra Suggestions

  1. Prepare pudding mixture at least the day before serving for optimal texture and flavor. Note that the pudding may appear slightly runny during assembly but will thicken upon chilling. To prevent banana discoloration, slice and add bananas just prior to serving.

Must-Have Equipment

  • Large mixing bowls
  • Whisk
  • Hand or stand mixer
  • 9x13 inch baking dish or large serving bowl
  • Spatula

Allergy Information

Always check ingredient details for potential allergens. Consult an expert if you're uncertain.
  • Contains dairy and gluten; verify individual ingredients for other potential allergens.

Nutritional Highlights (per portion)

Nutritional information is shared for guidance and isn't meant to replace expert medical advice.
  • Caloric Content: 310
  • Fat Breakdown: 15 grams
  • Carbohydrate Breakdown: 38 grams
  • Protein Count: 5 grams