Preheat the oven to 350 degrees.
In a mixing bowl, combine dry ingredients: wheat flour, baking soda, baking powder, oats, and cinnamon.
In a large mixing bowl, mash the bananas well. Whisk in wet ingredients: honey, coconut oil, milk and vanilla. Whisk in the eggs one at a time.
Add the dry ingredients to the wet ingredients and stir to combine. If using chocolate chips, add at this time. Pour into a well-sprayed or lined loaf pan. Sprinkle any leftover oats on top and cover with foil.
Bake covered for 45 minutes. Remove the foil and continue cooking 15-20 minutes or until a toothpick comes out clean. Let cool before serving.
