Whisk together the chocolate pudding and milk until smooth and well combined. Allow the pudding to rest until thickened.
Spoon half the pudding into the bottom of the serving bowl.
Add the whipped topping to the remaining pudding and stir to mix. Spoon the remaining pudding mixture over the top of the pudding in the serving bowl.
Place the bowl in the refrigerator to chill for at least one hour.
When ready to serve, spread a layer of whipped topping over the top of the dip. Sprinkle with mini chocolate chips and graham cracker crumbs.
Serve with graham crackers or cookies for dipping.
Notes
This Recipe Can be Doubled: If you are wanting to bring this dip to a party, you can easily increase the yield by doubling the ingredients proportionally.
Vanilla Cream Dip: If you are not a fan of chocolate you could swap the chocolate pudding for vanilla pudding.
Cookies'n'Cream Dip: For a cookies'n'cream chocolate dip swap the graham cracker crumbs for crushed Oreo's and you can also take it a step further and add both regular and white chocolate chips!