Whisk the bananas and milk in a medium bowl. Whisk the flour, oats, baking powder, and salt in another bowl.
Add the wet ingredients into the dry ingredients and stir gently to combine. Stir in the chocolate chips.
Heat a nonstick griddle over low heat. For each pancake, pour h cup batter onto the griddle and spread gently. Cook for 2 to 3 minutes, until the pancakes look slightly dry on top and are golden brown on the bottom, and release easily from the pan. Flip and cook for 2 to 3 minutes more.
Repeat with remaining batter, wiping off the griddle between batches. Serve hot with fresh fruit.