Heat your oven to 350 and grease a 9×5 inch loaf pan with nonstick cooking spray and set aside
In a medium bowl, whisk the flour, baking soda, baking powder, and salt together
In a large mixing bowl using the whisk attachment or a whisker, cream the sugar and butter
Mash the bananas with a fork in a separate bowl and add them to the sugar and butter
Add the large egg to the wet ingredients and add in the dry ingredients (flour, baking soda, baking powder, and salt)
Add in the milk and chocolate chips until well combined
Pour the batter in the prepared pan and bake for 65 – 70 minutes or until a toothpick inserted comes out clean
Remove the pan from the oven and set it on a wire cooling rack
Allow the bread to cool in the pan for 15 minutes then remove from the pan
Allow the bread to cool completely on the wire cooling rack then cut into slices and serve. Enjoy!