Preheat oven to 350 degrees F. Line a muffin pan with paper liners.
Whisk together flour, baking powder, baking soda, and salt in medium mixing bowl; set aside.
Whisk together oil and sugar together in a large mixing bowl. Whisk in banana, egg, vanilla, then milk until well combined.
Mix dry ingredients into the oil and sugar mixture until almost combined. Reserve about 1/4 cup of the chocolate chips, then mix in remaining chocolate chips into batter.
Scoop batter evenly into paper-lined pan filling cups about 2/3 full. Sprinkle reserved chocolate chips on top of batter.
Bake muffins at 350 degrees F for about 20-25 minutes or until golden brown around the edges. Cool slightly, then remove from pan and cool on a wire rack.
SNAPPY TIPS: You can use different size pans and/or paper liners but yield and baking time will vary.SNAPPY SUBSTITUTIONS: Instead of all or some of the chocolate chips, you can substitute chopped nuts, toffee chips, or other baking chips.