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.

close up picture of homemade banana pudding with nilla wafers on a round wooden cutting board. In the distance bananas and a large cooking spoon

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.
  • Salt – Just a pinch balances the sweetness and enhances the flavor.

Homemade Banana Pudding Recipe With Cream Cheese and Vanilla Wafers

Author: Meiko Temple
This Homemade Banana Pudding is a Southern classic turned baddie, layered with creamy scratch-made banana pudding, ripe bananas, and those nostalgic Nilla wafers, all crowned with a cloud of whipped cream. But wait, there's more! We're adding cream cheese, giving this dessert a rich, tangy depth that takes the banana pudding recipe from basic to snatched.
5 from 1 vote
Prep Time 5 minutes
Cook Time 15 minutes
Cooling & Assembly 4 hours 10 minutes
Total Time 4 hours 30 minutes
Course Dessert
Cuisine Southern
Servings 20 servings
Calories 390 kcal

Ingredients
 

Homemade Banana Cream Pudding

  • 6 bananas, divided
  • 6 large egg yolks
  • 6 tablespoons cornstarch
  • 3 cups evaporated milk, divided
  • ¾ cup granulated sugar
  • ½ teaspoon kosher salt
  • 8 oz cream cheese, cut into small cubes
  • 2 teaspoons pure vanilla extract
  • 3 tablespoons unsalted butter
  • 1 11 oz box of Nilla Wafers
  • ¼ teaspoon ground cinnamon + additional for garnish

Fresh Whipped Cream

  • 3 cup heavy cream, cold
  • 3/4 tablespoon powdered sugar
  • 3 teaspoon vanilla
  • ¼ teaspoon salt

Instructions
 

Ingredient Prep (Mashed Banana, Slurry & Cookies)

  • Peel one banana and remove any excess string. Add it to a small bowl and use a fork to mash it until creamy with small lumps. Set aside to ready to use.
  • In a small bowl, whisk together ½ cup of the evaporated milk with the cornstarch until combined and set aside.
  • Add 10 vanilla wafer cookies to a plastic storage bag and pound to create rough crumbles.

Warm The Milk

  • In a medium saucepan, whisk together remaining 2 ½ cups of evaporated milk, sugar, salt, and cinnamon until combined. Place mixture over medium heat and when warm, add cream cheese and whisk constantly until cream cheese is melted and sugar is dissolved, about 4 minutes. SIMMER BUT DO NOT BRING TO A BOWL. Once cream cheese is melted, temporarily remove the mixture from the heat.

Temper The Eggs

  • In a separate small bowl, whisk the egg yolks. Once the milk is off the heat, slowly whisk in ½ cup of the warm milk into the egg yolks until combined.

Prepare The Custard

  • Slowly stream the egg & milk mixture back to the saucepan with the warm milk. Also whisk in the cornstarch slurry and mashed banana mixtures. Return the saucepan to medium heat and bring to a simmer, whisking constantly to prevent burning, until the mixture thickens about 8-10 minutes. The mixture is done when you start to see the large bubbles pop as a result of the moisture evaporating.
  • Remove the saucepan from heat and stir in vanilla extract and butter until the butter has melted and the pudding is glossy. [Optional] For extra smooth texture, strain pudding through a sieve into a bowl to remove any small lumps.

For Fast Cooling

  • Make an ice bath by filling a large bowl or stock pot halfway with ice water. Transfer pudding to a large bowl. Carefully stabilize the 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 saucepan with the pudding

Regular Cooling & Refrigeration

  • If not fast cooling, allow the pudding to rest to get to room temperature. You can either begin layering your banana pudding at room temperature or put it in the fridge to assemble the banana pudding later. If refrigerating, cover with plastic wrap, pressing it directly onto the surface of the pudding to prevent a skin from forming. Transfer bowl to the refrigerator for 4 hours minimum or overnight.

Prepare Whipped Cream

  • In a large bowl add all the ingredients and mix for 2-3 minutes with a hand mixer until light and fluffy.

Assemble & Layer Banana Pudding

  • Thinly slice the remaining 5 bananas. To the bottom of a 9×13 baking dish arrange a layer of vanilla wafer cookies in a single layer.
  • Add a single layer of banana slices on top of the vanilla wafers.
  • Spread half of the banana pudding mixture evenly over the top of the bananas.
  • Spread half of the whipped cream on top of the banana pudding.
  • Sprinkle ground cinnamon on top of the whip cream.
  • 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.
  • times (you’ll have 2 layers of) ending with the whipped cream.
  • Refrigerate until set, at least 4 hours before adding toppings.
  • Sprinkle cinnamon and crumbled cookies over the top. Garnish with any leftover cookies, sliced bananas and fresh mint to the top before serving.

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.
  • Chilling and Serving
    • For fast cooling, make an ice bath by filling a large bowl or stock pot halfway with ice water. Transfer pudding to a large bowl. Carefully stabilize the 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 saucepan with the pudding.
    • Allow the pudding to chill for at least 4 hours before serving. This gives the cookies time to soften and the layers to come together.
  • Extra Tips
    • You can chill the banana pudding for at least 1 hour before assembling to have an extra firm pudding that will be easier to layer. Trifle is all about the layers meaning it’s important that each layer remain visibly distinctive.
    • Stir pudding constantly to prevent the bottom from scorching and to keep lumps from forming.

Nutrition

Calories: 390kcalCarbohydrates: 35gProtein: 6gFat: 26gSaturated Fat: 15gPolyunsaturated Fat: 2gMonounsaturated Fat: 7gTrans Fat: 0.1gCholesterol: 126mgSodium: 239mgPotassium: 311mgFiber: 1gSugar: 22gVitamin A: 921IUVitamin C: 4mgCalcium: 143mgIron: 0.4mg
Keyword banana pudding with cream cheese, banana pudding with vanilla wafers, southern banana pudding
did you make this recipe???Tell me all about it! And tag @meikoandthedish with hashtag on Instagram – I’d love to see what you make!

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.

Step 1: Prep Mash one banana. Mix ½ cup evaporated milk with cornstarch. Crush 10 vanilla wafers into crumbles.
Step 2: Warm Cream Cheese Mixture Combine remaining evaporated milk, sugar, salt, and cinnamon in a saucepan. Add cream cheese and whisk until melted.
Step 3: Temper Eggs Whisk egg yolks in a separate bowl. Slowly whisk in ½ cup of the warm milk mixture.
Step 4: Make Custard Pour egg mixture back into the saucepan. Add cornstarch slurry and mashed banana. Whisk over medium heat until thickened.
Step 5: Cool Stir in vanilla extract and butter. Let the pudding mix cool at room temperature or speed up the process with an ice bath.
Step 6: Whip Cream Mix all the ingredients until light and fluffy.
Step 7: Layer In a baking dish, layer vanilla wafers, banana slices, half the pudding, half the whipped cream, and a sprinkle of cinnamon. Repeat. Chill in the fridge for at least 4 hours.
Step 8: Garnish Before serving, sprinkle cinnamon and crumbled cookies on top. Add crushed cookies, banana slices, and fresh mint for garnish.

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!

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

Well, darlin’, you can spritz ’em with a lil’ bit of citric juice (think lemon, lime, or pineapple juice). Or, you can use something like Ball’s Fresh Fruit powder.

The bananas, smooth pudding, and crunchy wafers are all sweet in their own way. Cream cheese is rich and tangy, and it adds a lil’ richness without overpowering any of the other delicate flavors.

You can try Chessman cookies, Golden Oreo Thins, graham crackers, shortbread cookies, animal crackers, or butter cookies.

First let me say that making homemade is not hard at all, but if you preference is to use the box mix instead, you can totally sub it in.

When picking bananas for this recipe, find ripe bananas with no brown or green spots. You’re lookin’ for bananas that look ready to eat that day!

About 10-12 minutes both on the stove and in the ice bath. It’ll thicken up even more as it cools for at least 4 hours in the fridge.

Now, this is a matter of some debate. I have strong feelings about this. We definitely prefer to eat our banana pudding cold. But lots of folks like to eat their homemade banana pudding while its still warm, adding the meringue and toasting it right before serving.

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.

Tag me in all your MATD creations on social so I can shout you out. I love seeing all your masterpieces!

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