Preheat oven to 350°F. Spray two large loaf pans with spray or grease and flour.
Cream sugars, oil, and eggs. Add vanilla, sour cream, and bananas. Mix well.
In a separate bowl combine flour, baking soda, baking powder, salt, and powdered whipped topping
Add dry mixture to wet mixture and mix well. Fold in 1 cup of chocolate chips.
Pour into prepared pans. Bake for 45-50 minutes.