Add flour and salt to the creamed mixture. Mix well. After you add these two ingredients the mix will turn into soft crumbs.
Dissolve baking soda in warm water and add to mixture.
Blend in the mashed bananas and chocolate chips.
Pour the mixture into a muffin pan, over half full.
In a microwave safe bowl microwave the Nutella for 10 to 15 seconds or until it is thick but easy to pour. Pour 1 TB of Nutella in the middle of each muffin dough and use the tip of a knife to make a design with the Nutella.
Bake at 350º for 30 minutes to 35 minutes or until muffins are cooked.
Recipe by The 36th AVENUE at https://www.the36thavenue.com/nutella-banana-muffins-recipe/