Blend the base: In a blender or food processor, add cottage cheese, Greek yogurt, vanilla, sweetener, salt, and 2 tablespoons milk.
Blend until silky smooth, 30–60 seconds. If it’s too thick, add another tablespoon or two of milk.
Taste and adjust: Check sweetness and vanilla. Add a touch more sweetener or vanilla if you want a stronger dessert vibe.
If using cinnamon, blend in a pinch now.
Prep the bananas: Peel and slice the bananas into 1/4-inch rounds. If you’re assembling in advance, toss slices gently with lemon juice to slow browning.
Crush the cookies: Place wafers or grahams in a zip-top bag and crush lightly with a rolling pin. You want a mix of small chunks and crumbs for texture.
Layer it up: In a trifle dish, 8x8 pan, or individual jars, spread a thin layer of the cottage cheese mixture.
Add a layer of cookies, then banana slices, then more cottage cheese mixture. Repeat 2–3 times, finishing with the creamy layer on top.
Add whipped topping (optional): Smooth a light layer over the top for a classic look.
Chill: Cover and refrigerate for at least 2 hours, ideally 4–6 hours. This softens the cookies and melds the flavors.
Garnish and serve: Top with extra banana slices, a sprinkle of cookie crumbs, or a dusting of cinnamon right before serving.