In a large bowl, combine flour, sugar, and baking powder.
Make a well in the middle and add the milk, mashed bananas, egg, melted butter, and vanilla. Whisk to combine the wet ingredients, and then begin to whisk the batter from the outside in, until there are no visible lumps. Add the chocolate chips to the batter bowl and fold them in to combine.
Cook the pancakes:
Heat a large non-stick pan or griddle over medium-high heat. Once hot, spray or grease with butter or oil and immediately pour about ¼ cup of batter per pancake.
Cook the first side for about 2 minutes until the edges are defined and bubbles form in the middle. Flip and continue cooking on the other side for another minute. Don't press the pancakes down after fliipping. Remove from the griddle or pan onto a plate and repeat the process with the remaining pancake batter. Makes about 12 pancakes.
Serve:
Top your pancakes with sliced bananas, additional chocolate chips, and syrup.
Notes
Use the right baking powder: Since pancake batter naturally has a mild, neutral flavor, it's important to use aluminum-free baking powder. The metallic flavor will ruin the taste, especially in fluffy pancake recipes that call for 2 or more teaspoons. Trust me on this one.