Line a 9x13" baking dish with plastic wrap or parchment paper. This will make it easier to remove them from the pan and cut into bars.
Place a layer of graham crackers along the bottom of the dish. I like to break each graham cracker in half for the majority of the pan and then use ¼ sheets for the edges as needed.
In a large bowl, whisk together the milk and pudding mix until well combined.
Then mix in ½ cup of Cool Whip.
Spread pudding mixture on top of graham cracker layer .
In a separate bowl, beat together the cream cheese, marshmallow fluff, and coconut extract (if using) until creamy.
Fold in remaining Cool Whip.
Spread marshmallow layer on top of chocolate pudding layer.
Top with the remaining graham crackers.
Cover and freeze for at least 4 hours.
Once frozen, slice into bars. If they are too frozen to cut, let them sit at room temperature for 5-10 minutes before cutting.
Enjoy!