Preheat the oven to 350 degrees. Line a square baking pan with parchment paper so that there is an overhang on two sides.
Place the dry ingredients in a bowl and whisk together.
Place the bananas in a separate bowl and mash well with a fork until pretty smooth. Add the melted coconut oil, apple cider vinegar, and water. Stir well.
Pour the wet ingredients over the dry ingredients and stir until combined and smooth.
Pour the batter into the prepared pan. Sprinkle chocolate chips on top. Bake at 350 degrees for 26-30 minutes, or until a toothpick inserted in the middle comes out clean. If you are making muffins, try baking for 16-20 minutes.
Let cool before slicing and serving.
Notes
This cake should stay fresh for 3-4 days. Keep it wrapped tightly so it doesn't dry out.If you aren't gluten free, you can use regular flour.I don't recommend coconut flour or almond flour for this recipe.