In a medium bowl, whisk together flour, pudding mix, salt, baking soda, and baking powder until well combined.

Place Nilla wafers in a zip-top bag and crush them using a rolling pin until resembling coarse crumbs.

In a stand mixer, beat butter with both sugars on medium speed until creamy, then add banana, egg yolk, and vanilla until smooth.

Gradually add the dry mixture to the wet, mixing only until combined, then fold in crushed Nilla wafers and chocolate chips.

Using a cookie scoop, portion the dough onto lined baking sheets with 2 inches spacing.

Preheat oven to 350°F (175°C) and bake cookies for 11-13 minutes until edges are golden.

Let the cookies cool on the baking sheets for 5 minutes before transferring to wire racks to cool completely.