Preheat the oven to 350F. Line a 9 x 5-inch loaf pan with parchment paper or set aside a 9 x 5-inch nonstick loaf pan to use.
Make the flax eggs: In a small bowl, combine the ground flaxseed and the water. Let the mixture rest for 10 minutes at room temperature until it thickens and congeals.
Prepare the dry ingredients: In a large bowl, combine the white whole wheat flour, spelt flour, coconut sugar, baking powder, baking soda, cinnamon, nutmeg, ginger, and cloves. Stir gently.
Prepare the wet ingredients: Add the mashed bananas, almond milk, applesauce, lemon juice, and vanilla extract to a medium bowl. Add the thickened flaxseed mixture. Stir well to combine.
Combine and bake: Pour the wet ingredients into the bowl of dry ingredients and gently mix just until the ingredients are incorporated evenly. Pour the batter into the loaf pan. Sprinkle chocolate chips on top, if desired. Bake for 50 to 55 minutes, or until a fork or toothpick inserted in the center comes out cleanly.
Cool: Let the banana bread cool in the pan on a cooling rack until the pan is almost completely cool. This typically takes at least 30 minutes. (See Note.) When the pan is cool to the touch, carefully remove the banana bread by holding the edges of the parchment paper or, if using a nonstick pan, slide a silicone spatula around the edges first to help it glide out. Let the loaf rest on a cooling rack until it is completely cool. After it has cooled, slice and enjoy!