Banana Pudding Dip

1 3.4 oz instant banana pudding mix*
1 3.4 oz instant vanilla pudding mix*
3 c. 1/2 & 1/2
1 t. vanilla
8 oz. cream cheese, softened
4 medium bananas, cubed
3 c. miniature marshmallows, optional
8 oz. whipped topping, thawed*
1/2 c. roughly crushed vanilla wafers
whole vanilla wafers for dipping

Whip together both pudding mixes with 1/2 & 1/2. Add vanilla. Beat until thick, but pourable. Add softened cream cheese. Whip until smooth. Add banana cubes, marshmallows, 2/3 whipped topping, and most of crushed wafers. Reserve some for garnish. Stir by hand.Pour into serving dish and top with remaining topping. Garnish with crumbs. Refrigerate covered for 2-4 hours before serving with wafers for dipping.

*may be made with sugar free, omit marshmallows