Make the graham cracker crust by mixing crumbs, melted butter, sugar, and a pinch of salt. Press firmly into a parchment-lined 9x13 baking dish.
Whisk together instant pudding mix and cold milk until smooth. Let it set slightly.
Beat softened cream cheese with powdered sugar until creamy.
Fold pudding mixture into the cream cheese mixture. Then fold in thawed whipped topping until smooth.
Spread half of the cream mixture over the crust.
Slice bananas into ¼-inch rounds.
Toss sliced bananas with lemon juice to prevent browning.
Layer bananas evenly over the cream mixture.
Spread remaining cream mixture on top. Garnish with extra whipped topping and vanilla wafers if desired.
Chill in refrigerator for at least 4 hours before slicing into squares and serving.