In a mixing bowl, whisk together the instant pudding mix and cold milk for about 2 minutes until thickened.
Gently fold in the Cool Whip until smooth and creamy.
Place 2–3 banana slices into each mini graham cracker crust.
Spoon the pudding mixture evenly over the bananas, smoothing the tops.
Refrigerate for at least 1 hour or until set.
Before serving, garnish with extra whipped topping and banana slices if desired.