Crush 30 wafers; mix with next 4 ingredients. Spread onto bottom of rimmed baking sheet sprayed with cooking spray. Bake 8 to 10 minute or until golden brown, stirring after 5 minute Cool.
Beat pudding mixes and milk in medium bowl with whisk 2 minute (Pudding will be thick.) Stir in 1 cup whipped topping.
Layer 1/3 of the crumb mixture and half each of the bananas and pudding in 2-qt. bowl; repeat layers.
Beat cream cheese and granulated sugar in medium bowl with mixer until blended. Gently stir in 1 cup of the remaining whipped topping spread over top of dessert, sealing to edge of bowl. Sprinkle with remaining crumb mixture. Refrigerate 3 hours.
Serve topped with remaining whipped topping and whole wafers.