Preheat the oven to 375 degrees.

Combine the soy milk and apple cider vinegar and set aside.

Whisk the flour, baking powder, baking soda, and salt together in a large mixing bowl. In a separate bowl, combine the mashed bananas, sugar, oil, vanilla extract, and curdled soy milk.

Mix the dry ingredients with the wet ingredients, then add the walnuts and chocolate chunks.

Scoop the batter into a lightly greased muffin pan. Bake for about 30 minutes, or until dark golden brown.