Preheat the oven to 350 degrees F.
Line a 12-cup muffin pan with cupcake liners or just spray the muffin tin with cooking spray.
Break the eggs into a large bowl and mix with a fork for about a minute.
Then add the baking soda, salt, and baking powder. Mix for another minute.
Add the brown sugar, water, and melted butter and continue to stir.
When the mixture is smooth, add the mashed bananas. Mix together. If it gets hard to mix with the fork, switch over to a wooden spoon.
Add the whole wheat flour last and mix until well combined.
Divide the batter evenly between the 12 muffin cups.
Bake for 18-22 minutes, or until a toothpick inserted in the middle of one of the muffins comes out clean.
Cool the muffins on a cooling rack.
If using the optional chocolate topping, melt the chocolate chips in the microwave. Spoon the melted chocolate into a small ziplock bag. Snip off the corner of the bag with scissors and drizzle the chocolate over the muffins.