Preheat oven to 350ºF.
Grease a 12-cup muffin tin or use paper liners.
In a medium bowl, stir together dry ingredients.
In a smaller bowl mix sugar, oil, eggs, vanilla, and milk.
In another bowl, mash the bananas.
Add wet ingredients and mashed bananas to dry ingredients and stir until just combined.
Stir in chocolate chips, if desired.
Pour mixture into muffin tins and bake in preheated oven for 18-20 minutes or until a toothpick inserted into the bread comes out clean.
Cool in pan for a few minutes and then transfer to a wire rack.
Enjoy your warm muffins, or cool completely and place in a food storage container for later.