Preheat the oven to 325°F.
In a medium bowl, combine graham cracker crumbs, melted butter, and 1/4 cup sugar. Press the mixture firmly into the bottom of a 9-inch springform pan to form the crust.
Bake for 10 minutes, then remove from the oven and let cool.
In a large mixing bowl, beat the softened cream cheese with 1 cup sugar and vanilla extract until smooth and creamy.
Add the eggs one at a time, mixing well after each addition.
Blend in the sour cream, mashed bananas, and lemon juice until fully combined.
Pour the cream cheese mixture over the cooled crust.
Bake for 55-60 minutes, or until the center is set and only slightly jiggly.
Turn off the oven and crack the door open, allowing the cheesecake to cool in the oven for 1 hour.
Remove from the oven and let cool to room temperature before refrigerating for at least 4 hours or overnight.
In a separate bowl, whisk together the instant vanilla pudding mix and whole milk until thickened.
Fold in the whipped topping until well combined.
Spread the pudding mixture over the chilled cheesecake.
Garnish with sliced bananas and Nilla Wafers before serving.