Preheat oven to 350° F. In a small mixing bowl or measuring cup, combine milk and vinegar and set aside for at least 5-10 minutes until milk appears curdled.

In a medium mixing bowl, combine flour, cocoa powder, baking soda, baking powder, and salt. Set aside.

In a medium bowl, mash bananas until smooth. Mix in melted butter, oil, vanilla, and milk mixture and stir until combined. Add brown sugar and stir until combined.

Add dry ingredients to the wet ingredients and stir until combined but do not overmix. Fold in about 3/4 cup chocolate chips (reserve the rest for sprinkling)

Pour batter into prepared loaf pan and top with remaining chocolate chips. Bake at 350° for 50-60 minutes or until a toothpick comes out almost clean.

Let the bread cool in the pan for 15 minutes before removing. Allow to completely cool on a wire rack before slicing.

Keep in airtight container for up to 5 days or freeze for up to 3 months!