Preheat the oven to 350 degrees.
In a large mixing bowl combine coconut sugar and coconut oil. Using a whisk, combine them together. Pour in the coconut oil and whisk until well emulsified.
Mash the two bananas, you can leave some larger chunks if you so wish. Add the mashed banana, vanilla, and salt into the combined ingredients. Miss well.
Add into the bowl the baking powder, cinnamon, and baking soda. combine well using a wooden spoon. Once well incorporated, add in the apple cider vinegar. Using your wooden spoon gentle stir the mixture, it should foam and rise slightly.
One at a time combine the oat bran, arrowroot flour, and coconut flour into the mixture. Once well combined add in the chocolate chips - mix gently.
Evenly distribute the batter into a lined muffin pan. This will make 12 muffins. Add three chocolate chips on top of each muffin.
Bake at 350 degrees for 25 minutes or until golden brown and a toothpick comes out clean.
Once out o the oven, transfer to a cooling rack and leave to cool completely. Enjoy.