Preheat oven to 400. Grease and prepare a muffin tin.
In a large bowl, mash the bananas until they are pretty mushy. Add in the eggs, oil, and vanilla. Mix until just combined. Be gentle.
In a separate bowl, mix together the sugars, pudding mix, baking soda, baking powder, and salt. Mix well making sure all of the ingredients are combined.
Sift the dry ingredients into the wet. Gently mix until they are combined. The mixture will look a little bit lumpy and that is ok! You do not want to overmix the batter.
Stir in the chocolate chips. You can also add nuts if you are choosing to use them as well.
Add the batter to the muffin tin, making sure to fill it the top. If you are looking for a smaller muffin top, only fill the tins ¾ of the way full.
Place in oven and bake for 14-16 minutes, until the tops are a golden brown.
Allow to cool in the pan for 10 minutes. After 10 minutes, take the muffins out of the pan and let them cool on a wire rack.