Step 1: Prep Your Pan and Oven Preheat your oven to 350°F (175°C) and line an 8x8 inch pan with parchment paper, leaving overhang for easy removal. Don't skip the parchment—these Healthy Chocolate Chip Banana Muffin Bars with Gooey Peanut Butter Swirl can stick without it, and trust me, cleanup becomes a nightmare!

Step 2: Create the Wet Mixture In a large bowl, mash your ripe bananas until mostly smooth—a few small chunks add nice texture. Add Greek yogurt, peanut butter, honey, egg, and vanilla extract. Mix everything until completely smooth and creamy. This takes about 2 minutes of good stirring, but it's worth it for perfect texture.

Step 3: Add the Dry Ingredients Gently stir in the oat flour and baking powder until just combined. Don't overmix—we want tender bars, not tough ones! The batter should look thick and moist, like the most perfect muffin batter you've ever seen.

Step 4: Fold in Chocolate Chips Carefully fold in the chocolate chips, making sure they're evenly distributed throughout the batter. I always save a few extra chips to sprinkle on top because, let's be real, you can never have too much chocolate in these Healthy Chocolate Chip Banana Muffin Bars with Gooey Peanut Butter Swirl.

Step 5: Create the Magic Swirl Pour the batter into your prepared pan and smooth it out evenly. Now comes the fun part—drizzle the extra peanut butter all over the surface, then use a knife to create gentle swirl patterns. Don't overthink it; random swirls create the most beautiful marbled effect throughout your bars.

Step 6: Bake to Perfection Bake for 20-22 minutes until the edges are set and the center springs back lightly when touched. Let them cool completely in the pan before slicing—this is crucial for clean cuts and prevents crumbling.