Line 2 muffin tins with silicone or paper muffin liners and set aside. Preheat oven to 325 degrees Fahrenheit.
Mash the bananas in a small bowl and set aside.
In a large bowl, add the oat flour, oats, coconut flour, baking soda, baking powder, cinnamon, and sea salt. Stir until fully combined.
Add the mashed banana, flax eggs or eggs, maple syrup or honey, coconut milk, vanilla, and apple cider vinegar. Stir until fully combined.
Mix in the chocolate chips
Scoop the mixture evenly into 18 prepared muffin cups. Bake in the preheated oven for 27-30 minutes, or until slightly golden.
Let cool before enjoying. Store in the fridge or freezer.