In a large bowl, beat white chocolate pudding mix, sweetened condensed milk, and cream cheese at medium speed with a mixer until smooth. Gradually add 1½ cups milk, beating until smooth and thick. Stir in whipped topping.
In a separate large bowl, beat vanilla pudding mix, cream, and remaining 1 cup milk at medium speed with a mixer until smooth and thick. Stir in sour cream.
In a large trifle dish or serving bowl, layer white chocolate pudding mixture, bananas, vanilla pudding mixture, and vanilla wafers as desired. Store, covered, in refrigerator for up to 2 days. Garnish with white chocolate curls and vanilla wafers before serving, if desired.
Recipe by Paula Deen Magazine at https://pauladeenmagazine.com/white-chocolate-banana-pudding-recipe/