This No Bake Cream Cheese Banana Pudding is inspired by Paul Deen’s recipe except its homemade, FR, FR! No instant pudding, no frozen whip. Just a Southern classic turned full-blown baddie. This scratch-made banana-nana pudding (extra nana bits) is elevated with a rich portion of cream cheese, layered with crumbled Nilla wafers, and crowned with a cloud of fresh whipped cream.

The Proof Is In The Pudding: Instant Vs Homemade
I’ve mentioned my sister Marsaidees before—she’s the banana pudding queen at family functions. She usually makes hers with instant banana pudding, adding cream cheese and a dash of cinnamon, layered with frozen whipped topping. And let me tell you, it slaps!
The twist? She uses banana-flavored pudding instead of vanilla, which really amps up the flavor. Inspired by her, I decided to go full-on homemade with mine, and it was worth it, especially if you are trying to avoid gelatin. The homemade pudding, vanilla wafers, and fresh whipped cream take it to the next level—creamier, banana-ier, and downright unbeatable. Not to brag but this might be the best banana pudding you’ve ever had. Let’s get into it!
Shopping list For The Best Banana Pudding Recipe:

Banana Cream Pudding Mixture
- Fresh Bananas – We’ll use 6 of these. Remember to choose ripe but firm bananas. They provide the natural sweetness and unmistakable flavor that makes this pudding a hit.
- Large Egg Yolks – These are crucial for the pudding’s rich and creamy texture. Save the whites for a healthy omelette or a meringue!
- Cornstarch – This is our thickening agent. It helps the pudding achieve that perfect, spoonable consistency. If you don’t have cornstarch, you can substitute with an equal amount of arrowroot powder or double the amount of all-purpose flour.
- Evaporated Milk – This gives the pudding a creamy and rich flavor. You can substitute with regular milk or half-and-half if needed, but the pudding may be less rich.
- Granulated Sugar – This sweetens the pudding. Feel free to adjust the amount to your liking. You can also use coconut sugar for a more caramel-like flavor.
- Kosher Salt – A little bit of this enhances the sweet flavors. Don’t skip it!
- Cream Cheese – Cut into small cubes, this adds a tangy richness to the pudding. If you’re not a fan, you can leave it out, but I promise it’s a game changer!
- Pure Vanilla Extract – This adds a depth of flavor. You can also scrape a vanilla bean if you’re feeling fancy.
- Unsalted Butter – This adds a bit of richness and helps the pudding achieve a velvety texture.
- Nilla Wafers – These add a delightful crunch and vanilla flavor. If you can’t find them, Chessman cookies or Biscoff cookies would work too. The Biscoff cookies add a lovely ginger flavor that’s perfect for the holiday season.
- Ground Cinnamon – A little bit of this goes a long way in adding warmth to the pudding. Plus, a sprinkle on top makes for a beautiful garnish.
Pro Recipe Tip
Use ripe bananas for the best flavor. Overripe bananas can be too mushy, cause discoloration and leave a bitter flavor.

Fresh Whipped Cream
- Heavy Whipping Cream – Make sure it’s cold to whip up into a fluffy cloud. You can’t substitute this one, it’s essential for whipped cream.
- Powdered Sugar – This sweetens the whipped cream. You can adjust the amount to your liking.
- Vanilla – This enhances the flavor of the whipped cream. Use pure extract for the best flavor.
- Kosher Salt – Just a pinch balances the sweetness and enhances the flavor.

Homemade Banana Pudding Recipe With Cream Cheese and Vanilla Wafers
Ingredients
Homemade Banana Cream Pudding
- 3 cups evaporated milk
- 1 cup granulated sugar
- ½ teaspoon kosher salt
- ¼ teaspoon ground cinnamon + additional for garnish
- 8 oz cream cheese, cut into small cubes
- 6 large egg yolks
- 1 teaspoon cornstarch
- 6 bananas, divided
- 2 teaspoons pure vanilla extract
- 3 tablespoons unsalted butter
- 1 (11 oz) box of Nilla Wafers, divided
Fresh Whipped Cream
- 3 cups heavy cream, cold
- 3/4 cup powdered sugar
- 3 teaspoons pure vanilla extract
- 1/2 teaspoon kosher salt
Instructions
Make the Pudding Base
- In a large pot over medium heat, whisk together evaporated milk, sugar, salt, and cinnamon until warm, about 5 minutes.
- Add cream cheese and whisk until fully melted, about 1 minute. Let the mixture gently simmer for 4 minutes — do not let it boil. Remove from heat.
- In a medium bowl, whisk egg yolks, 1 sliced banana, and cornstarch until smooth. Slowly whisk in 1/2 cup of the warm milk to temper the eggs.
- Pour the tempered egg mixture back into the pot. Place back over medium heat and whisk constantly until thickened and large bubbles begin to pop, about 4–5 minutes.
- Remove from heat and whisk in vanilla and butter. Let the pudding cool at room temperature for 15–20 minutes.
Make the Whipped Cream
- In a large bowl, beat heavy cream, sugar, and vanilla on high for 2–3 minutes until light and fluffy.
Assemble the Layers
- Arrange a single layer of vanilla wafers in the bottom of a 9×13 dish.
- Thinly slice the remaining 5 bananas and layer them over the wafers.
- Spread half the pudding over the bananas.
- Spread half the whipped cream over the pudding.
- Repeat each layer 1 more time – when you get to the whip cream layer, pile it in the center to create height and don’t spread it all the way to the edges so that the banana pudding peaks through.
- Refrigerate at least 4 hours to fully set.
Optional Topping
- Crush 5 vanilla wafers in a plastic bag and sprinkle over the top with a pinch of cinnamon.
Notes
- Bananas
- To prevent bananas from turning brown, lightly brush them with citrus juice, club soda or spritz with them with a spray bottle. Use as little juice as possible to avoid altering the flavor of the pudding. This will slow the process of oxidation preventing the banana slices from turning brown.
- For extra smooth texture, strain pudding through a sieve into a bowl to remove any small lumps.
- Wafers
- Nilla wafers are traditional and work great, but you can also use Chessman cookies, Golden Oreo Thins, graham crackers, shortbread cookies, biscoff cookies, or butter cookies for a different look and taste.
- For garnishing, add extra cookies and banana slices just before serving.
- Cooling
- For cooling fast, make an ice bath by filling a large bowl or stock pot halfway with ice water. Transfer pudding to a bowl. Carefully stabilize the pudding bowl inside of the ice bath for 10 minutes, stirring occasionally until the pudding reaches room temperature. Be careful not to get any water into the bowl with the pudding.
- If refrigerating the pudding before layering: transfer pudding to a bowl and cover with plastic wrap. Press the wrap directly onto the surface of the pudding to prevent skin from forming. Transfer bowl to the refrigerator for 4 hours minimum or overnight.
- Allow the pudding to chill for at least 4 hours minimum or overnight before serving. This gives the cookies time to soften and the layers to come together.
Nutrition

Need A Lil Extra Help?
Check out the additional recipe details below to help ensure you perfect the recipe the first time.
How To Make Banana Pudding Mixture From Scratch
Here’s the quick rundown but more detailed instructions can be found below in the recipe card.








The Art of Layering:
Now, let’s get into the nitty-gritty of layering this deliciousness.






Additional Pro tips
Chilling and Serving
Allow the pudding mix to chill for at least 4 hours before serving. This gives the cookies time to soften and the layers to come together.
Thickening Your Pudding:

So, you’re wondering how to get that thick, creamy pudding consistency? Well, the secret is in the cornstarch. You’ve gotta bring your pudding mixture to a boil so that the liquid gets absorbed by the starch. This is what gives your pudding that thick, luscious texture that we all love.
How To Keep Bananas From Turning Brown:
Alright, let’s talk about the elephant in the room – those pesky bananas turning brown in your pudding. Now, if you’re whipping up this dessert just a few hours in advance, you ain’t got nothing to worry about. But if you’re like me and like to get a head start on things, you might want to take some extra steps to keep those bananas looking fresh and pretty.

Here’s the tea: you can treat your banana slices with a little citrus juice to prevent them from turning that unappealing brown color. We’re talking lemon juice or orange juice – but don’t go overboard, y’all. We’re making banana pudding, not lemon pudding. So, just lightly brush the juice onto the fruit or give them a quick spritz with a spray bottle. The key here is to use as little juice as possible.
And one more thing – hold off on garnishing the top of your pudding until the last minute. I like to add some extra banana slices or vanilla wafers on top just before I serve it. It keeps everything looking fresh and inviting. So there you have it, my secret to keeping those bananas in the pudding looking as good as they taste!
Need Menu Ideas For A Family Gathering?
Ok, so boom! If you’re looking to host a cookout that’s filled to the brim with flavor, I’ve got you covered! This Homemade, No Bake, Banana Pudding recipe is the perfect sweet ending to a savory feast. Here’s a cookout-themed menu that pairs perfectly with this dessert:
- Entree: Grilled Hot Links with Chow Chow – These spicy sausages are a cookout must-have, and when topped with tangy chow chow, they’re a force to be reckoned with. They’re giving us heat, flavor, and texture in one hand held package.
- Side: Brown Sugar Baked Beans – These beans are slow-cooked in a rich, smoky brown sugar sauce, making them a side dish that’s hitting on all levels.
- Salad: Grilled Caesar Salad – This ain’t your average Caesar, y’all! Grilled romaine lettuce, creamy dressing, and a sprinkle of parmesan make this salad the truth!
- Drink: Jungle Juice (Party Punch) – This right here is the life of the party. It’s sweet, it’s fruity, and it’s got a kick that’ll keep the cookout vibes going.
Storage & Reheating Recommendations
To Make Ahead: You can whip up this creamy dream up to 48 hours in advance. Just be aware that the earlier you make it, the higher the chances of your sliced bananas turning brown before you serve. To prevent this, make sure to keep those sliced bananas tucked under the pudding blanket to prevent them from turning brown. If you’re planning to serve it later, just add some freshly sliced banana on top when it’s time to dig in.
To Store: Now, if you’ve got leftovers (which I doubt, ’cause this pudding is a hit!), you can store them in an airtight container in the fridge for up to 2 days. Just cover the dish with plastic wrap to keep it fresh and to stop it from picking up any fridge odors.
To Freeze: Let me stop you right there. Freezing this dessert is a no-go. The texture of the whipped topping, bananas, and cookies won’t be the same once thawed.

Variations & Customizations
Pudding Variations
- Change up the flavor by using chocolate, peanut butter, or butterscotch pudding instead of banana. Each one brings a unique twist to the classic sweet treat.
- Looking for a recipe that uses instant vanilla pudding mix? This Easy Banana Pudding Recipe may be calling your name.
Extra Layers
- For a more decadent dessert, double the amount of whipped cream and add extra layers over the banana pudding. This will give you a creamy, dreamy dessert that’s sure to impress.
Sweet Drizzles
- Drizzle caramel over the layers for a sweet, sticky addition that complements the flavors of the banana and vanilla.
More Banana Pudding Recipes
- If you’re a fan of this recipe, you might also enjoy my husband’s Vanilla Wafers Banana Pudding. It’s a classic take using vanilla pudding and sweetened condensed milk.
- For a grown-up version, try his Whisky Banana Pudding. It’s a boozy delight that’s sure to impress.
- And if you’re a chocolate lover, don’t miss his Chocolate Banana Pudding. It’s a rich, indulgent treat that’s perfect for any chocolate fanatic.

Banana Pudding Chit Chat
Let’s take a moment a moment for a little history lesson on our beloved – Banana Pudding. This dessert is a Southern belle, a staple at barbecues, cookouts, potlucks, and family get-togethers. It’s right up there with pound cake, peach cobblers, and sweet potato pie. But let’s be real, nothing quite hits the spot like this delicious dessert.
But where did banana pudding come from, you ask? Well, after the American Civil War, bananas became more accessible from the Caribbean and South America. T
This led to a “BP” boom in the 1890s, with recipes popping up in newspapers, magazines, and cookbooks all over the country. Fast forward to just after World War II, and banana pudding had become nearly synonymous with the South.
More Absolutely Delicious Southern Desserts

Frequently Asked Recipe Questions

Prep Your Tools & Ingredients
Here is a quick list of things to do before the recipe to ensure everything goes smoothly. This list may contain affiliate links which won’t change your price but will share some commission to help support this blog.
Gather Your Tools:
- Medium saucepan
- 9×13 baking dish or casserole dish
- Hand mixer or stand mixer
Recipe Prep
- Always read the recipe through at least 1 time before you start. It helps you move faster when you already know what step is coming next.
- Measure out all of your ingredients.
- Separate egg whites from the yolk.
- Take cream cheese out the fridge and cut into cubes. Leave out to get to room temperature.
- Make the homemade whipped cream and refrigerate
- Crumble approximately 10 your vanilla wafers for the final garnish.

Now It’s Your Turn!
Alright yall, we’ve just gone through all the deets of this truly, unforgettable Homemade Banana Pudding With Cream Cheese and Vanilla Wafers, and now it’s your turn to show me what you got. When you want do something a little extra special or need to impress, consider adding this lush homemade pudding to your menu.
Save this recipe for that special occasion and when you make it, don’t forget to rate the recipe and leave a comment below. We don’t charge for our recipes but your feedback is helps keep this blog afloat.
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