Preheat oven to 350 degrees F.

Grease 9x5" loaf pan with cooking spray.

In large bowl, combine flour, baking soda, baking powder, and salt. Set aside.

In separate bowl, mix sugar, brown sugar, and coconut oil.

To the sugar and oil mixture, add the mashed bananas, eggs, milk, and vanilla, stirring until well combined.

Add wet ingredients to dry ingredients, stirring until just combined.

Fold in chocolate chips.

Pour batter into prepared pan.

Bake in preheated oven for 45-55 minutes, until top is golden brown and a tester comes out clean.

Cool completely. Slice and enjoy!