Preheat oven to 450°F. Line a muffin tin with liners or coat the muffin tin with nonstick cooking spray.
In a large bowl, whisk together the flour, sugar, brown sugar, salt, and baking powder.
In a medium size bowl beat the bananas, buttermilk, butter, egg, and vanilla extract.
Pour the wet ingredients into the dry ingredients and mix (using a spatula) until just combined. Fold in 1 cup of chocolate chips. Don’t overmix.
Divide batter evenly amongst muffin tins. Batter will fill the tins *almost* to the top. Should have about 1/8" inch or so of space left in the tin.
Use the remaining 1/4 cup of chocolate chips to place on top of the batter.
Bake for 5 mins at 450°F, then after 5 mins turn the heat to 400°F and continue to bake for 12-13 minutes or until a toothpick inserted in the center comes out clean. Remove from the oven and allow the muffins to cool to room temperature.