Evenly spread peanut butter onto each Ritz cracker. Place banana slices onto half of the Ritz crackers. Sandwich with the remaining half of crackers, peanut butter side down.
Melt the chocolate chips in the microwave in 30-second intervals, stirring well until it is fully melted and smooth. Fully coat each Ritz cracker sandwich into the melted chocolate.
Set onto plates, and let sit until the chocolate has completely set.