01 -  Preheat oven to 350°F. Line a 9x13-inch baking pan with parchment paper or lightly grease. 
 02 -  In a large mixing bowl, whisk together flour, granulated sugar, baking powder, baking soda, and salt. 
 03 -  In a separate bowl, beat eggs, whole milk, melted unsalted butter, and vanilla extract until smooth. 
 04 -  Pour wet ingredients into dry mixture and blend until just combined; do not overmix. 
 05 -  In a medium bowl, beat softened cream cheese with powdered sugar until creamy. Add 1–2 tablespoons milk if needed for a spreadable texture. 
 06 -  Spread half of the pancake batter evenly in the prepared pan. 
 07 -  Dollop the cream cheese filling over the batter and gently spread in an even layer. 
 08 -  Sprinkle 1 cup of shredded cheddar evenly over the cream cheese. 
 09 -  Spread the rest of the pancake batter gently over the cheddar layer to cover. 
 10 -  Distribute the remaining 1/2 cup cheddar cheese evenly on top. 
 11 -  Bake for 23 to 28 minutes, until golden and a toothpick inserted in the center comes out clean. 
 12 -  Let cool in pan for 10 minutes, then slice into 12 bars. Serve warm or at room temperature.