In a large mixing bowl, combine the banana, sugar, oil, and milk. Mix well to combine. Add the flour and baking soda, carefully stir until just combined. Be careful not to over mix. Gently fold in the chocolate chips.
Lightly spray a skillet with non-stick spray and heat on medium heat. Pour about 1/4 cup of the batter into the pan. Cook about 3 to 4 minutes, or until pancakes begin to bubble in the center. Carefully flip and cook for another 2 to 3 minutes. Once cooked, remove pancake from the pan and repeat the process until all the batter has been used. Grease the skillet as needed with non-stick spray in-between cooking the pancakes.
Serve hot, if desired top with maple syrup, honey, coconut butter, fresh fruit, or your favorite jam!