Preheat the oven to 350°F/180°C.
Mash the bananas with a fork and set aside.
In a large bowl mix the wet ingredients: sugar, maple, oil, water, vanilla, and egg. Add the mashed bananas.
In a separate bowl mix the dry ingredients: flour, baking soda, and baking powder.
Stir wet ingredients into dry ingredients and fold in the chocolate chips.
Divide batter evenly among the prepared muffin cups.
Bake for 18-25 minutes, or until the muffins are set and a toothpick inserted into the center comes out clean.