Position your oven rack to the middle and pre-heat to 350 F. Line a loaf pan with parchment paper and set aside.
Add bananas, cottage cheese, and eggs to your blender. Blend until completely smooth, about 15-20 seconds.
Transfer to a large mixing bowl. Whisk in melted butter, vanilla extract, and sugar until smooth.
In a separate mixing bowl, whisk together flours, baking soda, salt, and cinnamon.
Add dry ingredients to wet ingredients. Using a wooden spoon or spatula, mix until just combined. Gently fold in chocolate chips if desired, reserving 2-3 Tbsp.
Pour your batter into the prepared loaf pan. Gently spread the batter to reach the edges of the pan with a spatula. Sprinkle with remaining chocolate chips.
Bake for 45-55 minutes, or until the cottage cheese banana bread is golden brown and completely set. A toothpick placed into the center of the bread should come out mostly clean, with a few moist crumbs.
Cool in the pan for 15-minutes before transferring to a wire rack. Let it cool to room temperature before slicing, and enjoy!