Preheat your oven to 180°C and prepare a muffin tin with liners to ensure easy removal and even baking.
Whisk together all dry ingredients thoroughly so the leavening agents are evenly distributed throughout the flour mixture.
In a separate bowl, mash bananas and combine with sugars, butter, eggs, vanilla, and milk until smooth and cohesive.
Fold dry ingredients into wet ingredients gently, mixing only until no dry flour remains to keep muffins tender.
Add chocolate chips evenly and distribute the batter into muffin cups, filling them to the correct level for proper rise.
Bake until a toothpick inserted comes out clean, then cool properly to allow structure and flavor to set.