1. Whisk together the flour, sugar, baking soda and salt.
2. Add the milk, egg, melted butter, cinnamon, nutmeg, banana and chocolate chips, and give a quick whisk until combined.
3. Heat a griddle over medium-high heat (coat the surface with non-stick spray ONLY if your griddle or pan is not non-stick). Pour 1/4 cup of the batter for each pancake, flipping only once the surface is full of bubbles and is starting to look a little dry. Cook on second side until browned.